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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 | $30,109 | $209,422-85.6% | $178,503-83.1% | $158,982-81.1% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 6.42% | 188.81%-182.4pp | 151.12%-144.7pp | 302.99%-296.6pp |
| Employer contribution / active EE | $2,813 | $5,707-50.7% | $5,011-43.9% | $4,763-40.9% |
| Participant deferral / active EE | $3,827 | $5,955-35.7% | $5,202-26.4% | $5,983-36.0% |
| Admin fee / account holder | $58,717 | $17,079+243.8% | $13,987+319.8% | $11,252+421.9% |