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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 | $21,166 | $72,269-70.7% | $101,271-79.1% | $79,852-73.5% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 17.21% | 22.29%-5.1pp | 46.48%-29.3pp | 31.72%-14.5pp |
| Employer contribution / active EE | $3,901 | $2,692+44.9% | $3,660+6.6% | $2,471+57.9% |
| Participant deferral / active EE | $4,172 | $3,282+27.1% | $4,371-4.5% | $3,740+11.5% |
| Admin fee / account holder | $1,800 | $4,401-59.1% | $5,948-69.7% | $5,306-66.1% |