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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 | $5,963 | $111,787-94.7% | $93,681-93.6% | $145,978-95.9% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 14.44% | 203.52%-189.1pp | 133.47%-119.0pp | 550.52%-536.1pp |
| Employer contribution / active EE | $648 | $3,093-79.0% | $2,422-73.2% | $4,662-86.1% |
| Participant deferral / active EE | $1,574 | $4,918-68.0% | $4,415-64.3% | $6,690-76.5% |
| Admin fee / account holder | $502 | $10,256-95.1% | $8,290-93.9% | $13,400-96.3% |