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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 | $20,712 | $209,425-90.1% | $178,499-88.4% | $158,966-87.0% |
| Participation rate | 92.9% | 86.4%+6.5pp | 81.9%+10.9pp | 82.0%+10.9pp |
| Annual return | 21.01% | 188.80%-167.8pp | 151.10%-130.1pp | 302.95%-281.9pp |
| Employer contribution / active EE | $1,612 | $5,707-71.8% | $5,011-67.8% | $4,762-66.1% |
| Participant deferral / active EE | $3,530 | $5,955-40.7% | $5,202-32.2% | $5,983-41.0% |
| Admin fee / account holder | $5,781 | $17,078-66.1% | $13,986-58.7% | $11,250-48.6% |