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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 | $11,343 | $104,937-89.2% | $84,628-86.6% | $152,897-92.6% |
| Participation rate | 100.0% | 74.8%+25.2pp | 68.2%+31.8pp | 82.5%+17.5pp |
| Annual return | 24.04% | 373.88%-349.8pp | 258.80%-234.8pp | 345.43%-321.4pp |
| Employer contribution / active EE | $1,227 | $3,303-62.8% | $2,653-53.7% | $4,764-74.2% |
| Participant deferral / active EE | $2,434 | $4,690-48.1% | $3,900-37.6% | $5,851-58.4% |
| Admin fee / account holder | $427 | $6,243-93.2% | $4,914-91.3% | $11,599-96.3% |