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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 | $26,164 | $217,432-88.0% | $185,849-85.9% | $167,536-84.4% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 10.57% | 148.42%-137.9pp | 122.10%-111.5pp | 478.82%-468.3pp |
| Employer contribution / active EE | $2,864 | $5,875-51.3% | $5,169-44.6% | $4,839-40.8% |
| Participant deferral / active EE | $3,972 | $6,357-37.5% | $5,569-28.7% | $6,342-37.4% |
| Admin fee / account holder | $7,300 | $19,818-63.2% | $16,244-55.1% | $12,315-40.7% |