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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 | $14,936 | $148,629-90.0% | $135,982-89.0% | $139,487-89.3% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 21.84% | 79.33%-57.5pp | 68.32%-46.5pp | 373.84%-352.0pp |
| Employer contribution / active EE | $4,549 | $5,247-13.3% | $4,859-6.4% | $4,755-4.3% |
| Participant deferral / active EE | $4,924 | $8,102-39.2% | $7,760-36.5% | $6,713-26.6% |
| Admin fee / account holder | $1,233 | $12,406-90.1% | $10,767-88.5% | $11,407-89.2% |