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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 | $33,927 | $197,637-82.8% | $177,848-80.9% | $158,982-78.7% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 23.14% | 58.77%-35.6pp | 48.33%-25.2pp | 302.99%-279.9pp |
| Employer contribution / active EE | $5,663 | $6,698-15.5% | $5,919-4.3% | $4,763+18.9% |
| Participant deferral / active EE | $3,165 | $8,405-62.3% | $7,714-59.0% | $5,983-47.1% |
| Admin fee / account holder | $810 | $15,406-94.7% | $12,431-93.5% | $11,252-92.8% |