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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 | $9,172 | $100,060-90.8% | $149,721-93.9% | $70,126-86.9% |
| Participation rate | 79.4% | 83.6%-4.2pp | 87.1%-7.7pp | 69.5%+9.9pp |
| Annual return | 17.05% | 27.46%-10.4pp | 1501.67%-1484.6pp | 73.15%-56.1pp |
| Employer contribution / active EE | $0 | $3,661-100.0% | $5,444-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,481 | $4,982-50.2% | $6,568-62.2% | $3,332-25.5% |
| Admin fee / account holder | $371 | $8,285-95.5% | $11,282-96.7% | $4,645-92.0% |