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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 | $21,513 | $180,459-88.1% | $154,108-86.0% | $135,380-84.1% |
| Participation rate | 100.0% | 87.4%+12.6pp | 83.0%+17.0pp | 82.6%+17.4pp |
| Annual return | -7.00% | 888.21%-895.2pp | 735.21%-742.2pp | 519.81%-526.8pp |
| Employer contribution / active EE | $2,074 | $6,035-65.6% | $5,298-60.9% | $4,779-56.6% |
| Participant deferral / active EE | $5,480 | $5,806-5.6% | $5,081+7.9% | $5,609-2.3% |
| Admin fee / account holder | $954 | $16,145-94.1% | $13,411-92.9% | $10,828-91.2% |