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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 | $15,206 | $157,304-90.3% | $141,197-89.2% | $152,909-90.1% |
| Participation rate | 72.7% | 84.8%-12.1pp | 82.5%-9.7pp | 82.5%-9.7pp |
| Annual return | 22.73% | 64.34%-41.6pp | 71.41%-48.7pp | 345.46%-322.7pp |
| Employer contribution / active EE | $3,546 | $5,263-32.6% | $4,736-25.1% | $4,764-25.6% |
| Participant deferral / active EE | $3,856 | $7,111-45.8% | $6,710-42.5% | $5,851-34.1% |
| Admin fee / account holder | $737 | $12,126-93.9% | $10,265-92.8% | $11,601-93.7% |