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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 | $5,765 | $65,246-91.2% | $98,716-94.2% | $67,986-91.5% |
| Participation rate | 90.6% | 51.4%+39.1pp | 69.3%+21.3pp | 57.2%+33.4pp |
| Annual return | 20.42% | 20.58%-0.2pp | 31.81%-11.4pp | 31.67%-11.2pp |
| Employer contribution / active EE | $524 | $1,042-49.8% | $2,279-77.0% | $2,019-74.1% |
| Participant deferral / active EE | $1,310 | $2,594-49.5% | $4,048-67.6% | $3,358-61.0% |
| Admin fee / account holder | $796 | $4,561-82.5% | $8,703-90.9% | $3,203-75.1% |