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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 | $32,806 | $184,000-82.2% | $162,185-79.8% | $152,909-78.5% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.6%+12.4pp | 82.5%+17.5pp |
| Annual return | 21.73% | 150.80%-129.1pp | 115.61%-93.9pp | 345.46%-323.7pp |
| Employer contribution / active EE | $9,080 | $6,370+42.5% | $5,613+61.8% | $4,764+90.6% |
| Participant deferral / active EE | $9,652 | $8,033+20.2% | $7,297+32.3% | $5,851+65.0% |
| Admin fee / account holder | $306 | $13,124-97.7% | $10,844-97.2% | $11,601-97.4% |