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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 | $34,184 | $77,908-56.1% | $149,696-77.2% | $75,173-54.5% |
| Participation rate | 83.9% | 65.6%+18.3pp | 78.8%+5.1pp | 67.2%+16.7pp |
| Annual return | 15.16% | 31.73%-16.6pp | 134.46%-119.3pp | 160.72%-145.6pp |
| Employer contribution / active EE | $1,222 | $3,138-61.0% | $4,821-74.6% | $2,671-54.2% |
| Participant deferral / active EE | $2,144 | $3,411-37.2% | $5,682-62.3% | $4,126-48.1% |
| Admin fee / account holder | $2,577 | $5,950-56.7% | $13,212-80.5% | $5,651-54.4% |