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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 | $15,114 | $72,607-79.2% | $90,259-83.3% | $87,485-82.7% |
| Participation rate | 93.6% | 64.8%+28.8pp | 70.7%+22.8pp | 68.9%+24.7pp |
| Annual return | 14.09% | 18.59%-4.5pp | 18.88%-4.8pp | 26.06%-12.0pp |
| Employer contribution / active EE | $742 | $1,919-61.4% | $2,291-67.6% | $2,596-71.4% |
| Participant deferral / active EE | $2,097 | $3,055-31.3% | $3,827-45.2% | $4,274-50.9% |
| Admin fee / account holder | $3,194 | $5,947-46.3% | $7,267-56.1% | $7,775-58.9% |