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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 | $5,104 | $53,837-90.5% | $75,714-93.3% | $85,847-94.1% |
| Participation rate | 76.9% | 69.1%+7.9pp | 74.8%+2.1pp | 69.3%+7.6pp |
| Annual return | 37.36% | 24.54%+12.8pp | 104.62%-67.3pp | 318.61%-281.2pp |
| Employer contribution / active EE | $717 | $2,017-64.5% | $2,744-73.9% | $2,565-72.0% |
| Participant deferral / active EE | $1,531 | $2,895-47.1% | $3,820-59.9% | $3,952-61.3% |
| Admin fee / account holder | $302 | $3,339-91.0% | $3,619-91.7% | $6,261-95.2% |