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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 | $19,481 | $73,978-73.7% | $96,515-79.8% | $75,173-74.1% |
| Participation rate | 100.0% | 66.4%+33.6pp | 74.3%+25.7pp | 67.2%+32.8pp |
| Annual return | 17.63% | 26.72%-9.1pp | 35.73%-18.1pp | 160.72%-143.1pp |
| Employer contribution / active EE | $9,301 | $2,931+217.4% | $3,740+148.7% | $2,671+248.2% |
| Participant deferral / active EE | $5,425 | $3,660+48.2% | $4,880+11.2% | $4,126+31.5% |
| Admin fee / account holder | $838 | $5,219-83.9% | $6,735-87.6% | $5,651-85.2% |