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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 | $6,891 | $209,422-96.7% | $178,503-96.1% | $158,982-95.7% |
| Participation rate | 94.1% | 86.4%+7.8pp | 81.9%+12.2pp | 82.0%+12.2pp |
| Annual return | 19.76% | 188.81%-169.1pp | 151.12%-131.4pp | 302.99%-283.2pp |
| Employer contribution / active EE | $2,692 | $5,707-52.8% | $5,011-46.3% | $4,763-43.5% |
| Participant deferral / active EE | $3,297 | $5,955-44.6% | $5,202-36.6% | $5,983-44.9% |
| Admin fee / account holder | $1,155 | $17,079-93.2% | $13,987-91.7% | $11,252-89.7% |