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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 | $19,625 | $110,137-82.2% | $161,149-87.8% | $82,637-76.3% |
| Participation rate | 98.9% | 72.4%+26.5pp | 78.8%+20.0pp | 68.1%+30.8pp |
| Annual return | 18.47% | 20.69%-2.2pp | 21.16%-2.7pp | 53.51%-35.0pp |
| Employer contribution / active EE | $2,050 | $2,856-28.2% | $4,360-53.0% | $2,552-19.7% |
| Participant deferral / active EE | $3,124 | $4,575-31.7% | $6,153-49.2% | $4,126-24.3% |
| Admin fee / account holder | $724 | $9,467-92.3% | $15,194-95.2% | $7,339-90.1% |