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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $26,654 | $101,798-73.8% | $165,071-83.9% | $80,935-67.1% |
| Participation rate | 88.7% | 71.8%+16.8pp | 78.6%+10.0pp | 67.7%+21.0pp |
| Annual return | 8.47% | 16.73%-8.3pp | 70.17%-61.7pp | 35.66%-27.2pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,347-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,878 | $4,476-35.7% | $6,035-52.3% | $4,299-33.1% |
| Admin fee / account holder | $2,995 | $8,221-63.6% | $12,695-76.4% | $6,924-56.7% |