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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 | $15,671 | $197,637-92.1% | $177,848-91.2% | $158,982-90.1% |
| Participation rate | 82.6% | 88.5%-5.9pp | 87.7%-5.1pp | 82.0%+0.6pp |
| Annual return | 259.39% | 58.77%+200.6pp | 48.33%+211.1pp | 302.99%-43.6pp |
| Employer contribution / active EE | $3,255 | $6,698-51.4% | $5,919-45.0% | $4,763-31.7% |
| Participant deferral / active EE | $8,569 | $8,405+2.0% | $7,714+11.1% | $5,983+43.2% |
| Admin fee / account holder | $810 | $15,406-94.7% | $12,431-93.5% | $11,252-92.8% |