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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $21,744 | $198,457-89.0% | $170,435-87.2% | $147,586-85.3% |
| Participation rate | 80.0% | 88.0%-8.0pp | 83.6%-3.6pp | 82.8%-2.8pp |
| Annual return | 15.43% | 257.30%-241.9pp | 205.94%-190.5pp | 578.59%-563.2pp |
| Employer contribution / active EE | $11,415 | $6,183+84.6% | $5,432+110.1% | $4,876+134.1% |
| Participant deferral / active EE | $5,746 | $5,629+2.1% | $4,939+16.3% | $5,439+5.7% |
| Admin fee / account holder | $1,118 | $16,852-93.4% | $13,881-91.9% | $10,886-89.7% |