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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 | $9,630 | $98,240-90.2% | $82,312-88.3% | $147,586-93.5% |
| Participation rate | 100.0% | 79.7%+20.3pp | 76.9%+23.1pp | 82.8%+17.2pp |
| Annual return | 18.62% | 30.85%-12.2pp | 25.88%-7.3pp | 578.59%-560.0pp |
| Employer contribution / active EE | $1,887 | $3,192-40.9% | $2,428-22.3% | $4,876-61.3% |
| Participant deferral / active EE | $4,388 | $4,383+0.1% | $3,706+18.4% | $5,439-19.3% |
| Admin fee / account holder | $945 | $8,563-89.0% | $5,608-83.2% | $10,886-91.3% |