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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 | $6,351 | $67,372-90.6% | $60,906-89.6% | $134,532-95.3% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.1%+26.9pp | 81.2%+18.8pp |
| Annual return | -11.31% | 50.05%-61.4pp | 16.94%-28.2pp | 418.27%-429.6pp |
| Employer contribution / active EE | $829 | $3,099-73.3% | $2,703-69.3% | $4,741-82.5% |
| Participant deferral / active EE | $1,868 | $4,532-58.8% | $3,814-51.0% | $6,401-70.8% |
| Admin fee / account holder | $1,137 | $4,588-75.2% | $3,227-64.8% | $11,429-90.0% |