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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 | $20,486 | $95,453-78.5% | $112,040-81.7% | $82,448-75.2% |
| Participation rate | 89.3% | 72.8%+16.5pp | 76.5%+12.8pp | 68.1%+21.2pp |
| Annual return | 18.21% | 23.92%-5.7pp | 24.52%-6.3pp | 41.64%-23.4pp |
| Employer contribution / active EE | $2,588 | $2,318+11.7% | $2,954-12.4% | $2,551+1.5% |
| Participant deferral / active EE | $4,523 | $4,224+7.1% | $5,098-11.3% | $4,139+9.3% |
| Admin fee / account holder | $1,163 | $9,013-87.1% | $12,098-90.4% | $7,234-83.9% |