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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 | $27,389 | $137,414-80.1% | $189,537-85.5% | $85,847-68.1% |
| Participation rate | 84.6% | 84.6%0pp | 87.8%-3.2pp | 69.3%+15.3pp |
| Annual return | 23.65% | 38.14%-14.5pp | 555.34%-531.7pp | 318.61%-295.0pp |
| Employer contribution / active EE | $3,908 | $4,344-10.1% | $6,161-36.6% | $2,565+52.3% |
| Participant deferral / active EE | $9,292 | $6,260+48.4% | $8,220+13.0% | $3,952+135.1% |
| Admin fee / account holder | $454 | $8,630-94.7% | $12,048-96.2% | $6,261-92.7% |