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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 | $12,714 | $167,353-92.4% | $143,797-91.2% | $134,545-90.6% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -16.42% | 0.48%-16.9pp | -0.04%-16.4pp | 418.37%-434.8pp |
| Employer contribution / active EE | $1,992 | $5,620-64.6% | $4,952-59.8% | $4,742-58.0% |
| Participant deferral / active EE | $4,706 | $6,447-27.0% | $5,638-16.5% | $6,401-26.5% |
| Admin fee / account holder | $303 | $18,096-98.3% | $14,679-97.9% | $11,431-97.4% |