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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $37,755 | $91,439-58.7% | $135,974-72.2% | $71,511-47.2% |
| Participation rate | 94.3% | 75.7%+18.7pp | 81.9%+12.4pp | 67.9%+26.4pp |
| Annual return | 26.76% | 29.90%-3.1pp | 68.30%-41.5pp | 28.86%-2.1pp |
| Employer contribution / active EE | $4,627 | $3,705+24.9% | $4,859-4.8% | $2,589+78.7% |
| Participant deferral / active EE | $8,668 | $7,093+22.2% | $7,760+11.7% | $4,291+102.0% |
| Admin fee / account holder | $3,387 | $1,267+167.4% | $10,767-68.5% | $1,588+113.2% |