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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 | $11,016 | $172,111-93.6% | $150,298-92.7% | $137,256-92.0% |
| Participation rate | 77.3% | 81.7%-4.4pp | 77.8%-0.5pp | 80.0%-2.7pp |
| Annual return | 20.86% | 69.37%-48.5pp | 62.79%-41.9pp | 220.34%-199.5pp |
| Employer contribution / active EE | $1,433 | $4,636-69.1% | $4,154-65.5% | $4,156-65.5% |
| Participant deferral / active EE | $2,816 | $6,166-54.3% | $5,453-48.4% | $6,407-56.0% |
| Admin fee / account holder | $641 | $16,471-96.1% | $14,116-95.5% | $12,270-94.8% |