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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 | $18,895 | $152,460-87.6% | $118,746-84.1% | $147,586-87.2% |
| Participation rate | 100.0% | 82.3%+17.7pp | 78.3%+21.7pp | 82.8%+17.2pp |
| Annual return | 16.27% | 17.41%-1.1pp | 24.54%-8.3pp | 578.59%-562.3pp |
| Employer contribution / active EE | $4,396 | $5,046-12.9% | $4,193+4.8% | $4,876-9.9% |
| Participant deferral / active EE | $4,585 | $6,212-26.2% | $5,332-14.0% | $5,439-15.7% |
| Admin fee / account holder | $652 | $16,953-96.2% | $10,720-93.9% | $10,886-94.0% |