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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 | $2,308 | $81,331-97.2% | $155,534-98.5% | $80,935-97.1% |
| Participation rate | 92.5% | 66.3%+26.2pp | 78.2%+14.2pp | 67.7%+24.8pp |
| Annual return | 14.82% | 33.37%-18.5pp | 64.92%-50.1pp | 35.66%-20.8pp |
| Employer contribution / active EE | $0 | $3,105-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,865 | $3,454-46.0% | $5,630-66.9% | $4,299-56.6% |
| Admin fee / account holder | $429 | $7,999-94.6% | $15,900-97.3% | $6,924-93.8% |