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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 | $24,076 | $162,821-85.2% | $133,978-82.0% | $158,982-84.9% |
| Participation rate | 72.7% | 83.2%-10.5pp | 79.8%-7.1pp | 82.0%-9.2pp |
| Annual return | 22.17% | 41.95%-19.8pp | 45.10%-22.9pp | 302.99%-280.8pp |
| Employer contribution / active EE | $1,257 | $4,976-74.7% | $3,919-67.9% | $4,763-73.6% |
| Participant deferral / active EE | $3,111 | $5,910-47.4% | $5,047-38.4% | $5,983-48.0% |
| Admin fee / account holder | $1,349 | $11,742-88.5% | $8,930-84.9% | $11,252-88.0% |