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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 | $40,291 | $93,598-57.0% | $135,974-70.4% | $75,173-46.4% |
| Participation rate | 88.0% | 75.2%+12.8pp | 81.9%+6.0pp | 67.2%+20.7pp |
| Annual return | 19.69% | 30.89%-11.2pp | 68.30%-48.6pp | 160.72%-141.0pp |
| Employer contribution / active EE | $2,668 | $3,538-24.6% | $4,859-45.1% | $2,671-0.1% |
| Participant deferral / active EE | $6,217 | $6,405-2.9% | $7,760-19.9% | $4,126+50.7% |
| Admin fee / account holder | $2,189 | $6,978-68.6% | $10,767-79.7% | $5,651-61.3% |