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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 | $21,355 | $157,304-86.4% | $141,197-84.9% | $152,909-86.0% |
| Participation rate | 90.0% | 84.8%+5.2pp | 82.5%+7.5pp | 82.5%+7.5pp |
| Annual return | 29.44% | 64.34%-34.9pp | 71.41%-42.0pp | 345.46%-316.0pp |
| Employer contribution / active EE | $2,529 | $5,263-51.9% | $4,736-46.6% | $4,764-46.9% |
| Participant deferral / active EE | $8,116 | $7,111+14.1% | $6,710+20.9% | $5,851+38.7% |
| Admin fee / account holder | $1,337 | $12,126-89.0% | $10,265-87.0% | $11,601-88.5% |