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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 | $7,761 | $150,346-94.8% | $120,524-93.6% | $145,877-94.7% |
| Participation rate | 100.0% | 78.8%+21.2pp | 71.9%+28.1pp | 80.3%+19.7pp |
| Annual return | 10.21% | 154.40%-144.2pp | 107.36%-97.2pp | 551.28%-541.1pp |
| Employer contribution / active EE | $2,151 | $4,353-50.6% | $3,469-38.0% | $4,663-53.9% |
| Participant deferral / active EE | $1,886 | $6,172-69.4% | $4,994-62.2% | $6,691-71.8% |
| Admin fee / account holder | $1,483 | $12,215-87.9% | $9,440-84.3% | $13,402-88.9% |