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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 | $13,223 | $107,368-87.7% | $92,915-85.8% | $152,909-91.4% |
| Participation rate | 71.4% | 79.8%-8.4pp | 76.0%-4.6pp | 82.5%-11.0pp |
| Annual return | 17.96% | 145.64%-127.7pp | 109.45%-91.5pp | 345.46%-327.5pp |
| Employer contribution / active EE | $2,539 | $4,222-39.9% | $3,653-30.5% | $4,764-46.7% |
| Participant deferral / active EE | $6,855 | $4,848+41.4% | $4,238+61.7% | $5,851+17.2% |
| Admin fee / account holder | $678 | $7,082-90.4% | $5,796-88.3% | $11,601-94.2% |