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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 | $19,011 | $202,342-90.6% | $172,752-89.0% | $152,897-87.6% |
| Participation rate | 71.4% | 87.1%-15.6pp | 82.6%-11.2pp | 82.5%-11.0pp |
| Annual return | 23.60% | 1029.83%-1006.2pp | 802.97%-779.4pp | 345.43%-321.8pp |
| Employer contribution / active EE | $1,734 | $5,858-70.4% | $5,144-66.3% | $4,764-63.6% |
| Participant deferral / active EE | $5,045 | $5,948-15.2% | $5,198-2.9% | $5,851-13.8% |
| Admin fee / account holder | $963 | $17,111-94.4% | $13,955-93.1% | $11,599-91.7% |