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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 | $15,061 | $183,592-91.8% | $155,574-90.3% | $145,877-89.7% |
| Participation rate | 95.5% | 82.7%+12.8pp | 78.2%+17.2pp | 80.3%+15.2pp |
| Annual return | 14.87% | 61.37%-46.5pp | 64.87%-50.0pp | 551.28%-536.4pp |
| Employer contribution / active EE | $1,869 | $5,317-64.9% | $4,676-60.0% | $4,663-59.9% |
| Participant deferral / active EE | $3,610 | $6,466-44.2% | $5,629-35.9% | $6,691-46.0% |
| Admin fee / account holder | $514 | $19,316-97.3% | $15,914-96.8% | $13,402-96.2% |