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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 | $14,333 | $100,805-85.8% | $86,698-83.5% | $134,532-89.3% |
| Participation rate | 83.3% | 79.0%+4.4pp | 76.6%+6.7pp | 81.2%+2.1pp |
| Annual return | 0.00% | 29.09%-29.1pp | 35.95%-35.9pp | 418.27%-418.3pp |
| Employer contribution / active EE | $3,043 | $3,490-12.8% | $2,837+7.3% | $4,741-35.8% |
| Participant deferral / active EE | $11,874 | $5,339+122.4% | $4,656+155.0% | $6,401+85.5% |
| Admin fee / account holder | $307 | $10,925-97.2% | $7,493-95.9% | $11,429-97.3% |