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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 | $24,721 | $202,342-87.8% | $172,752-85.7% | $152,897-83.8% |
| Participation rate | 81.3% | 87.1%-5.8pp | 82.6%-1.4pp | 82.5%-1.2pp |
| Annual return | 18.10% | 1029.83%-1011.7pp | 802.97%-784.9pp | 345.43%-327.3pp |
| Employer contribution / active EE | $5,192 | $5,858-11.4% | $5,144+0.9% | $4,764+9.0% |
| Participant deferral / active EE | $3,200 | $5,948-46.2% | $5,198-38.4% | $5,851-45.3% |
| Admin fee / account holder | $669 | $17,111-96.1% | $13,955-95.2% | $11,599-94.2% |