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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 | $7,286 | $175,231-95.8% | $149,696-95.1% | $139,466-94.8% |
| Participation rate | 95.5% | 83.4%+12.1pp | 78.8%+16.7pp | 80.3%+15.1pp |
| Annual return | 42.94% | 166.77%-123.8pp | 134.46%-91.5pp | 373.66%-330.7pp |
| Employer contribution / active EE | $2,935 | $5,478-46.4% | $4,821-39.1% | $4,754-38.3% |
| Participant deferral / active EE | $4,308 | $6,521-33.9% | $5,682-24.2% | $6,712-35.8% |
| Admin fee / account holder | $360 | $16,155-97.8% | $13,212-97.3% | $11,409-96.8% |