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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 | $9,154 | $86,919-89.5% | $102,457-91.1% | $80,911-88.7% |
| Participation rate | 97.4% | 72.4%+25.0pp | 76.5%+20.9pp | 67.6%+29.7pp |
| Annual return | 11.83% | 18.90%-7.1pp | 29.41%-17.6pp | 35.63%-23.8pp |
| Employer contribution / active EE | $1,344 | $2,368-43.3% | $3,022-55.5% | $2,756-51.2% |
| Participant deferral / active EE | $3,341 | $4,119-18.9% | $5,054-33.9% | $4,297-22.2% |
| Admin fee / account holder | $526 | $8,049-93.5% | $9,451-94.4% | $6,935-92.4% |