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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 | $27,485 | $209,422-86.9% | $178,503-84.6% | $158,982-82.7% |
| Participation rate | 90.0% | 86.4%+3.6pp | 81.9%+8.1pp | 82.0%+8.0pp |
| Annual return | 37.64% | 188.81%-151.2pp | 151.12%-113.5pp | 302.99%-265.4pp |
| Employer contribution / active EE | $4,221 | $5,707-26.0% | $5,011-15.8% | $4,763-11.4% |
| Participant deferral / active EE | $7,013 | $5,955+17.8% | $5,202+34.8% | $5,983+17.2% |
| Admin fee / account holder | $1,052 | $17,079-93.8% | $13,987-92.5% | $11,252-90.7% |