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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 | $24,798 | $102,422-75.8% | $147,117-83.1% | $80,959-69.4% |
| Participation rate | 93.1% | 75.9%+17.2pp | 82.2%+10.9pp | 67.7%+25.4pp |
| Annual return | 60.91% | 135.16%-74.2pp | 420.54%-359.6pp | 35.67%+25.2pp |
| Employer contribution / active EE | $2,077 | $3,717-44.1% | $4,932-57.9% | $2,757-24.7% |
| Participant deferral / active EE | $4,256 | $6,652-36.0% | $8,065-47.2% | $4,300-1.0% |
| Admin fee / account holder | $634 | $7,953-92.0% | $12,993-95.1% | $6,925-90.9% |