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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 | $20,325 | $217,432-90.7% | $185,849-89.1% | $167,536-87.9% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 14.50% | 148.42%-133.9pp | 122.10%-107.6pp | 478.82%-464.3pp |
| Employer contribution / active EE | $1,633 | $5,875-72.2% | $5,169-68.4% | $4,839-66.3% |
| Participant deferral / active EE | $3,119 | $6,357-50.9% | $5,569-44.0% | $6,342-50.8% |
| Admin fee / account holder | $674 | $19,818-96.6% | $16,244-95.8% | $12,315-94.5% |