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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 | $19,427 | $209,422-90.7% | $178,503-89.1% | $158,982-87.8% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 32.64% | 188.81%-156.2pp | 151.12%-118.5pp | 302.99%-270.4pp |
| Employer contribution / active EE | $8,037 | $5,707+40.8% | $5,011+60.4% | $4,763+68.7% |
| Participant deferral / active EE | $5,429 | $5,955-8.8% | $5,202+4.4% | $5,983-9.3% |
| Admin fee / account holder | $1,224 | $17,079-92.8% | $13,987-91.2% | $11,252-89.1% |