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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 | $12,436 | $167,522-92.6% | $151,639-91.8% | $134,532-90.8% |
| Participation rate | 70.0% | 88.4%-18.4pp | 87.5%-17.5pp | 81.2%-11.2pp |
| Annual return | 19.89% | 7.81%+12.1pp | 3.34%+16.5pp | 418.27%-398.4pp |
| Employer contribution / active EE | $0 | $6,828-100.0% | $6,165-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $3,986 | $8,986-55.6% | $8,363-52.3% | $6,401-37.7% |
| Admin fee / account holder | $461 | $13,780-96.7% | $11,613-96.0% | $11,429-96.0% |