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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 | $4,050 | $58,627-93.1% | $76,735-94.7% | $82,448-95.1% |
| Participation rate | 75.8% | 63.2%+12.6pp | 69.5%+6.3pp | 68.1%+7.7pp |
| Annual return | 22.25% | 39.10%-16.9pp | 29.77%-7.5pp | 41.64%-19.4pp |
| Employer contribution / active EE | $718 | $1,729-58.5% | $2,454-70.8% | $2,551-71.9% |
| Participant deferral / active EE | $1,774 | $3,134-43.4% | $4,088-56.6% | $4,139-57.1% |
| Admin fee / account holder | $454 | $5,323-91.5% | $7,189-93.7% | $7,234-93.7% |