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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 | $10,201 | $78,423-87.0% | $95,964-89.4% | $79,856-87.2% |
| Participation rate | 92.0% | 73.5%+18.5pp | 77.1%+14.9pp | 69.6%+22.4pp |
| Annual return | 44.35% | 19.37%+25.0pp | 91.64%-47.3pp | 31.71%+12.6pp |
| Employer contribution / active EE | $2,558 | $1,945+31.5% | $2,541+0.7% | $2,471+3.5% |
| Participant deferral / active EE | $4,339 | $3,440+26.1% | $4,167+4.1% | $3,741+16.0% |
| Admin fee / account holder | $1,212 | $5,622-78.4% | $6,797-82.2% | $5,306-77.2% |