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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 | $4,974 | $37,463-86.7% | $77,096-93.5% | $66,938-92.6% |
| Participation rate | 99.0% | 52.9%+46.1pp | 67.9%+31.1pp | 69.8%+29.2pp |
| Annual return | 7.98% | -3.25%+11.2pp | 42.35%-34.4pp | 1.58%+6.4pp |
| Employer contribution / active EE | $666 | $1,535-56.6% | $2,814-76.3% | $2,545-73.8% |
| Participant deferral / active EE | $2,671 | $2,621+1.9% | $4,429-39.7% | $4,238-37.0% |
| Admin fee / account holder | $1,474 | $568+159.5% | $5,428-72.8% | $594+148.4% |