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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 | $42,073 | $137,414-69.4% | $189,537-77.8% | $85,847-51.0% |
| Participation rate | 100.0% | 84.6%+15.4pp | 87.8%+12.2pp | 69.3%+30.7pp |
| Annual return | 14.20% | 38.14%-23.9pp | 555.34%-541.1pp | 318.61%-304.4pp |
| Employer contribution / active EE | $6,746 | $4,344+55.3% | $6,161+9.5% | $2,565+163.0% |
| Participant deferral / active EE | $14,601 | $6,260+133.3% | $8,220+77.6% | $3,952+269.4% |
| Admin fee / account holder | $380 | $8,630-95.6% | $12,048-96.8% | $6,261-93.9% |