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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 | $13,294 | $102,422-87.0% | $147,117-91.0% | $80,959-83.6% |
| Participation rate | 75.0% | 75.9%-0.9pp | 82.2%-7.2pp | 67.7%+7.3pp |
| Annual return | 14.88% | 135.16%-120.3pp | 420.54%-405.7pp | 35.67%-20.8pp |
| Employer contribution / active EE | $2,525 | $3,717-32.1% | $4,932-48.8% | $2,757-8.4% |
| Participant deferral / active EE | $3,104 | $6,652-53.3% | $8,065-61.5% | $4,300-27.8% |
| Admin fee / account holder | $1,778 | $7,953-77.6% | $12,993-86.3% | $6,925-74.3% |