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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 | $5,842 | $55,932-89.6% | $76,735-92.4% | $67,986-91.4% |
| Participation rate | 96.0% | 50.8%+45.2pp | 69.5%+26.5pp | 57.2%+38.8pp |
| Annual return | 18.05% | 23.10%-5.1pp | 29.77%-11.7pp | 31.67%-13.6pp |
| Employer contribution / active EE | $834 | $1,487-43.9% | $2,454-66.0% | $2,019-58.7% |
| Participant deferral / active EE | $1,939 | $2,558-24.2% | $4,088-52.6% | $3,358-42.3% |
| Admin fee / account holder | $814 | $4,907-83.4% | $7,189-88.7% | $3,203-74.6% |