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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 | $10,007 | $202,342-95.1% | $172,753-94.2% | $152,909-93.5% |
| Participation rate | 71.4% | 87.1%-15.6pp | 82.6%-11.2pp | 82.5%-11.0pp |
| Annual return | 0.00% | 1029.88%-1029.9pp | 803.00%-803.0pp | 345.46%-345.5pp |
| Employer contribution / active EE | $2,290 | $5,857-60.9% | $5,144-55.5% | $4,764-51.9% |
| Participant deferral / active EE | $4,943 | $5,948-16.9% | $5,198-4.9% | $5,851-15.5% |
| Admin fee / account holder | $1,429 | $17,112-91.7% | $13,956-89.8% | $11,601-87.7% |