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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 | $12,190 | $80,812-84.9% | $160,784-92.4% | $82,448-85.2% |
| Participation rate | 88.6% | 66.2%+22.3pp | 77.0%+11.6pp | 68.1%+20.5pp |
| Annual return | 13.39% | 100.59%-87.2pp | 1803.92%-1790.5pp | 41.64%-28.3pp |
| Employer contribution / active EE | $1,673 | $2,174-23.0% | $3,733-55.2% | $2,551-34.4% |
| Participant deferral / active EE | $2,110 | $4,335-51.3% | $6,293-66.5% | $4,139-49.0% |
| Admin fee / account holder | $2,885 | $7,695-62.5% | $9,717-70.3% | $7,234-60.1% |