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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 | $13,807 | $138,114-90.0% | $125,391-89.0% | $134,545-89.7% |
| Participation rate | 85.7% | 84.5%+1.2pp | 82.4%+3.3pp | 81.2%+4.5pp |
| Annual return | -2.18% | 750.88%-753.1pp | 572.41%-574.6pp | 418.37%-420.5pp |
| Employer contribution / active EE | $3,481 | $5,246-33.6% | $4,816-27.7% | $4,742-26.6% |
| Participant deferral / active EE | $9,587 | $7,801+22.9% | $7,448+28.7% | $6,401+49.8% |
| Admin fee / account holder | $3,042 | $11,570-73.7% | $10,009-69.6% | $11,431-73.4% |