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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 | $19,021 | $217,427-91.3% | $185,837-89.8% | $167,518-88.6% |
| Participation rate | 85.7% | 86.0%-0.3pp | 81.7%+4.0pp | 82.1%+3.6pp |
| Annual return | 13.58% | 148.39%-134.8pp | 122.08%-108.5pp | 478.71%-465.1pp |
| Employer contribution / active EE | $3,142 | $5,874-46.5% | $5,168-39.2% | $4,838-35.1% |
| Participant deferral / active EE | $6,975 | $6,357+9.7% | $5,568+25.3% | $6,342+10.0% |
| Admin fee / account holder | $1,583 | $19,816-92.0% | $16,241-90.3% | $12,312-87.1% |