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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 | $29,522 | $202,342-85.4% | $172,752-82.9% | $152,897-80.7% |
| Participation rate | 72.2% | 87.1%-14.8pp | 82.6%-10.4pp | 82.5%-10.2pp |
| Annual return | 18.39% | 1029.83%-1011.4pp | 802.97%-784.6pp | 345.43%-327.0pp |
| Employer contribution / active EE | $5,702 | $5,858-2.7% | $5,144+10.9% | $4,764+19.7% |
| Participant deferral / active EE | $8,316 | $5,948+39.8% | $5,198+60.0% | $5,851+42.1% |
| Admin fee / account holder | $4,100 | $17,111-76.0% | $13,955-70.6% | $11,599-64.7% |