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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 | $15,493 | $176,688-91.2% | $130,660-88.1% | $152,885-89.9% |
| Participation rate | 100.0% | 79.0%+21.0pp | 71.7%+28.3pp | 82.5%+17.5pp |
| Annual return | 0.00% | 2693.08%-2693.1pp | 1709.29%-1709.3pp | 345.39%-345.4pp |
| Employer contribution / active EE | $4,699 | $5,743-18.2% | $4,092+14.8% | $4,763-1.3% |
| Participant deferral / active EE | $10,729 | $4,362+146.0% | $3,603+197.8% | $5,851+83.4% |
| Admin fee / account holder | $411 | $7,131-94.2% | $5,463-92.5% | $11,598-96.5% |