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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 | $22,031 | $78,425-71.9% | $95,956-77.0% | $79,858-72.4% |
| Participation rate | 100.0% | 73.5%+26.5pp | 77.1%+22.9pp | 69.6%+30.4pp |
| Annual return | 30.03% | 19.37%+10.7pp | 91.63%-61.6pp | 31.72%-1.7pp |
| Employer contribution / active EE | $2,308 | $1,945+18.7% | $2,541-9.2% | $2,471-6.6% |
| Participant deferral / active EE | $4,057 | $3,440+17.9% | $4,167-2.6% | $3,740+8.5% |
| Admin fee / account holder | $647 | $5,622-88.5% | $6,797-90.5% | $5,306-87.8% |