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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 | $17,999 | $176,105-89.8% | $159,474-88.7% | $167,536-89.3% |
| Participation rate | 92.3% | 85.0%+7.4pp | 82.8%+9.5pp | 82.1%+10.2pp |
| Annual return | 12.88% | 331.91%-319.0pp | 263.68%-250.8pp | 478.82%-465.9pp |
| Employer contribution / active EE | $3,678 | $5,299-30.6% | $4,831-23.9% | $4,839-24.0% |
| Participant deferral / active EE | $3,511 | $7,751-54.7% | $7,353-52.2% | $6,342-44.6% |
| Admin fee / account holder | $422 | $12,559-96.6% | $10,802-96.1% | $12,315-96.6% |