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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 | $17,743 | $65,367-72.9% | $92,915-80.9% | $72,976-75.7% |
| Participation rate | 100.0% | 68.3%+31.7pp | 76.0%+24.0pp | 69.5%+30.5pp |
| Annual return | 0.00% | 42.11%-42.1pp | 109.45%-109.4pp | 81.02%-81.0pp |
| Employer contribution / active EE | $13,714 | $2,594+428.7% | $3,653+275.4% | $2,440+462.0% |
| Participant deferral / active EE | $2,890 | $3,128-7.6% | $4,238-31.8% | $3,608-19.9% |
| Admin fee / account holder | $939 | $4,251-77.9% | $5,796-83.8% | $5,124-81.7% |