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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 | $17,201 | $65,376-73.7% | $87,102-80.3% | $65,185-73.6% |
| Participation rate | 98.1% | 75.3%+22.7pp | 76.9%+21.2pp | 70.2%+27.9pp |
| Annual return | 26.14% | 31.27%-5.1pp | 28.19%-2.1pp | 29.38%-3.2pp |
| Employer contribution / active EE | $2,189 | $1,822+20.1% | $2,521-13.2% | $2,177+0.6% |
| Participant deferral / active EE | $3,627 | $3,388+7.0% | $4,048-10.4% | $3,514+3.2% |
| Admin fee / account holder | $976 | $520+87.8% | $7,491-87.0% | $847+15.2% |