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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 | $26,982 | $152,592-82.3% | $125,180-78.4% | $152,885-82.4% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 18.34% | 54.84%-36.5pp | 43.79%-25.5pp | 345.39%-327.1pp |
| Employer contribution / active EE | $1,236 | $4,947-75.0% | $3,866-68.0% | $4,763-74.0% |
| Participant deferral / active EE | $2,931 | $5,868-50.1% | $4,937-40.6% | $5,851-49.9% |
| Admin fee / account holder | $2,136 | $13,435-84.1% | $9,703-78.0% | $11,598-81.6% |