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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 | $22,723 | $102,393-77.8% | $147,041-84.5% | $80,911-71.9% |
| Participation rate | 78.6% | 75.9%+2.7pp | 82.2%-3.6pp | 67.6%+10.9pp |
| Annual return | 83.19% | 134.95%-51.8pp | 419.21%-336.0pp | 35.63%+47.6pp |
| Employer contribution / active EE | $1,891 | $3,715-49.1% | $4,935-61.7% | $2,756-31.4% |
| Participant deferral / active EE | $3,090 | $6,647-53.5% | $8,071-61.7% | $4,297-28.1% |
| Admin fee / account holder | $560 | $7,943-92.9% | $13,006-95.7% | $6,935-91.9% |