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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 | $8,353 | $53,162-84.3% | $91,227-90.8% | $68,490-87.8% |
| Participation rate | 100.0% | 63.2%+36.8pp | 73.2%+26.8pp | 67.9%+32.1pp |
| Annual return | -14.24% | -3.14%-11.1pp | 114.14%-128.4pp | -7.85%-6.4pp |
| Employer contribution / active EE | $3,236 | $1,709+89.3% | $2,851+13.5% | $2,597+24.6% |
| Participant deferral / active EE | $3,046 | $2,974+2.4% | $4,234-28.0% | $4,028-24.4% |
| Admin fee / account holder | $5,240 | $4,493+16.6% | $5,423-3.4% | $5,403-3.0% |