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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 | $3,824 | $55,932-93.2% | $76,735-95.0% | $67,986-94.4% |
| Participation rate | 86.7% | 50.8%+35.9pp | 69.5%+17.2pp | 57.2%+29.5pp |
| Annual return | 19.42% | 23.10%-3.7pp | 29.77%-10.3pp | 31.67%-12.2pp |
| Employer contribution / active EE | $547 | $1,487-63.2% | $2,454-77.7% | $2,019-72.9% |
| Participant deferral / active EE | $971 | $2,558-62.1% | $4,088-76.3% | $3,358-71.1% |
| Admin fee / account holder | $502 | $4,907-89.8% | $7,189-93.0% | $3,203-84.3% |