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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 | $17,766 | $175,259-89.9% | $149,723-88.1% | $139,487-87.3% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 19.41% | 166.82%-147.4pp | 134.50%-115.1pp | 373.84%-354.4pp |
| Employer contribution / active EE | $1,809 | $5,478-67.0% | $4,821-62.5% | $4,755-61.9% |
| Participant deferral / active EE | $4,991 | $6,522-23.5% | $5,682-12.2% | $6,713-25.6% |
| Admin fee / account holder | $384 | $16,158-97.6% | $13,215-97.1% | $11,407-96.6% |