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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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $6,648 | $81,487-91.8% | $102,412-93.5% | $80,935-91.8% |
| Participation rate | 96.2% | 66.8%+29.4pp | 74.5%+21.7pp | 67.7%+28.6pp |
| Annual return | 10.99% | 25.60%-14.6pp | 24.94%-14.0pp | 35.66%-24.7pp |
| Employer contribution / active EE | $979 | $3,103-68.5% | $3,870-74.7% | $2,757-64.5% |
| Participant deferral / active EE | $2,382 | $3,871-38.5% | $5,060-52.9% | $4,299-44.6% |
| Admin fee / account holder | $695 | $6,717-89.7% | $8,388-91.7% | $6,924-90.0% |