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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 | $23,668 | $217,432-89.1% | $185,849-87.3% | $167,536-85.9% |
| Participation rate | 81.8% | 86.1%-4.2pp | 81.7%+0.1pp | 82.1%-0.3pp |
| Annual return | 19.88% | 148.42%-128.5pp | 122.10%-102.2pp | 478.82%-458.9pp |
| Employer contribution / active EE | $2,684 | $5,875-54.3% | $5,169-48.1% | $4,839-44.5% |
| Participant deferral / active EE | $4,012 | $6,357-36.9% | $5,569-28.0% | $6,342-36.7% |
| Admin fee / account holder | $3,163 | $19,818-84.0% | $16,244-80.5% | $12,315-74.3% |