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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 | $77,664 | $88,672-12.4% | $105,223-26.2% | $82,448-5.8% |
| Participation rate | 90.0% | 67.9%+22.1pp | 75.0%+15.0pp | 68.1%+21.9pp |
| Annual return | 14.47% | 30.86%-16.4pp | 180.65%-166.2pp | 41.64%-27.2pp |
| Employer contribution / active EE | $1,229 | $3,048-59.7% | $3,689-66.7% | $2,551-51.8% |
| Participant deferral / active EE | $3,549 | $4,036-12.1% | $5,072-30.0% | $4,139-14.3% |
| Admin fee / account holder | $2,839 | $7,146-60.3% | $8,859-68.0% | $7,234-60.8% |