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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 | $3,261 | $81,358-96.0% | $155,556-97.9% | $80,959-96.0% |
| Participation rate | 96.1% | 66.3%+29.8pp | 78.2%+17.9pp | 67.7%+28.4pp |
| Annual return | 12.78% | 33.39%-20.6pp | 64.84%-52.1pp | 35.67%-22.9pp |
| Employer contribution / active EE | $687 | $3,106-77.9% | $4,675-85.3% | $2,757-75.1% |
| Participant deferral / active EE | $2,339 | $3,455-32.3% | $5,631-58.5% | $4,300-45.6% |
| Admin fee / account holder | $1,334 | $7,994-83.3% | $15,885-91.6% | $6,925-80.7% |