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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 | $10,255 | $65,555-84.4% | $86,216-88.1% | $75,173-86.4% |
| Participation rate | 89.1% | 60.5%+28.6pp | 69.0%+20.2pp | 67.2%+21.9pp |
| Annual return | 86.19% | 46.07%+40.1pp | 1169.42%-1083.2pp | 160.72%-74.5pp |
| Employer contribution / active EE | $2,298 | $1,553+47.9% | $2,382-3.5% | $2,671-14.0% |
| Participant deferral / active EE | $4,966 | $3,023+64.3% | $3,986+24.6% | $4,126+20.3% |
| Admin fee / account holder | $785 | $5,469-85.7% | $6,853-88.5% | $5,651-86.1% |