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Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $4,951 | $51,821-90.4% | $93,727-94.7% | - |
| Participation rate | 75.8% | 67.7%+8.1pp | 68.7%+7.0pp | - |
| Annual return | 27.68% | 11.30%+16.4pp | 133.83%-106.1pp | - |
| Employer contribution / active EE | $0 | $1,278-100.0% | $2,421-100.0% | - |
| Participant deferral / active EE | $3,199 | $3,260-1.9% | $4,417-27.6% | - |
| Admin fee / account holder | $520 | $4,565-88.6% | $8,292-93.7% | - |