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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 | $15,836 | $65,555-75.8% | $86,216-81.6% | $75,173-78.9% |
| Participation rate | 100.0% | 60.5%+39.5pp | 69.0%+31.0pp | 67.2%+32.8pp |
| Annual return | 18.62% | 46.07%-27.4pp | 1169.42%-1150.8pp | 160.72%-142.1pp |
| Employer contribution / active EE | $4,447 | $1,553+186.3% | $2,382+86.7% | $2,671+66.5% |
| Participant deferral / active EE | $1,883 | $3,023-37.7% | $3,986-52.8% | $4,126-54.4% |
| Admin fee / account holder | $447 | $5,469-91.8% | $6,853-93.5% | $5,651-92.1% |