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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 | $2,271 | $58,627-96.1% | $76,735-97.0% | $82,448-97.2% |
| Participation rate | 85.6% | 63.2%+22.3pp | 69.5%+16.1pp | 68.1%+17.5pp |
| Annual return | 17.87% | 39.10%-21.2pp | 29.77%-11.9pp | 41.64%-23.8pp |
| Employer contribution / active EE | $0 | $1,729-100.0% | $2,454-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,079 | $3,134-65.6% | $4,088-73.6% | $4,139-73.9% |
| Admin fee / account holder | $425 | $5,323-92.0% | $7,189-94.1% | $7,234-94.1% |