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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 | $17,070 | $165,399-89.7% | $149,745-88.6% | $158,982-89.3% |
| Participation rate | 75.0% | 84.6%-9.6pp | 82.5%-7.5pp | 82.0%-7.0pp |
| Annual return | 31.85% | 348.34%-316.5pp | 276.72%-244.9pp | 302.99%-271.1pp |
| Employer contribution / active EE | $3,367 | $5,105-34.0% | $4,646-27.5% | $4,763-29.3% |
| Participant deferral / active EE | $6,390 | $7,183-11.0% | $6,843-6.6% | $5,983+6.8% |
| Admin fee / account holder | $3,091 | $10,811-71.4% | $9,312-66.8% | $11,252-72.5% |