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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 | $22,513 | $209,422-89.2% | $178,503-87.4% | $158,982-85.8% |
| Participation rate | 90.0% | 86.4%+3.6pp | 81.9%+8.1pp | 82.0%+8.0pp |
| Annual return | 25.56% | 188.81%-163.2pp | 151.12%-125.6pp | 302.99%-277.4pp |
| Employer contribution / active EE | $4,072 | $5,707-28.7% | $5,011-18.7% | $4,763-14.5% |
| Participant deferral / active EE | $3,162 | $5,955-46.9% | $5,202-39.2% | $5,983-47.2% |
| Admin fee / account holder | $750 | $17,079-95.6% | $13,987-94.6% | $11,252-93.3% |