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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 | $12,634 | $217,432-94.2% | $185,849-93.2% | $167,536-92.5% |
| Participation rate | 86.7% | 86.1%+0.6pp | 81.7%+5.0pp | 82.1%+4.6pp |
| Annual return | 21.44% | 148.42%-127.0pp | 122.10%-100.7pp | 478.82%-457.4pp |
| Employer contribution / active EE | $2,827 | $5,875-51.9% | $5,169-45.3% | $4,839-41.6% |
| Participant deferral / active EE | $5,956 | $6,357-6.3% | $5,569+7.0% | $6,342-6.1% |
| Admin fee / account holder | $2,067 | $19,818-89.6% | $16,244-87.3% | $12,315-83.2% |