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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 | $32,465 | $198,457-83.6% | $170,435-81.0% | $147,586-78.0% |
| Participation rate | 83.3% | 88.0%-4.6pp | 83.6%-0.3pp | 82.8%+0.5pp |
| Annual return | 11.57% | 257.30%-245.7pp | 205.94%-194.4pp | 578.59%-567.0pp |
| Employer contribution / active EE | $2,308 | $6,183-62.7% | $5,432-57.5% | $4,876-52.7% |
| Participant deferral / active EE | $8,708 | $5,629+54.7% | $4,939+76.3% | $5,439+60.1% |
| Admin fee / account holder | $660 | $16,852-96.1% | $13,881-95.2% | $10,886-93.9% |