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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 | $12,027 | $58,895-79.6% | $178,503-93.3% | $73,497-83.6% |
| Participation rate | 91.1% | 66.2%+24.9pp | 81.9%+9.2pp | 70.7%+20.4pp |
| Annual return | 15.99% | 24.86%-8.9pp | 151.12%-135.1pp | 28.51%-12.5pp |
| Employer contribution / active EE | $0 | $2,236-100.0% | $5,011-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $2,561 | $2,567-0.2% | $5,202-50.8% | $3,740-31.5% |
| Admin fee / account holder | $431 | $400+7.5% | $13,987-96.9% | $513-16.1% |