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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 | $7,855 | $96,731-91.9% | $123,973-93.7% | $86,983-91.0% |
| Participation rate | 89.7% | 70.0%+19.6pp | 76.7%+13.0pp | 69.5%+20.1pp |
| Annual return | 18.84% | 17.33%+1.5pp | 388.13%-369.3pp | 25.83%-7.0pp |
| Employer contribution / active EE | $6,648 | $3,297+101.6% | $4,126+61.1% | $2,584+157.2% |
| Participant deferral / active EE | $0 | $4,152-100.0% | $5,247-100.0% | $4,194-100.0% |
| Admin fee / account holder | $309 | $8,722-96.5% | $11,799-97.4% | $7,856-96.1% |