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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 | $89,259-13.0% | $107,187-27.5% | $82,637-6.0% |
| Participation rate | 90.0% | 67.9%+22.1pp | 75.0%+15.0pp | 68.1%+21.9pp |
| Annual return | 14.47% | 21.02%-6.6pp | 204.55%-190.1pp | 53.51%-39.0pp |
| Employer contribution / active EE | $1,229 | $3,080-60.1% | $3,782-67.5% | $2,552-51.9% |
| Participant deferral / active EE | $3,549 | $4,037-12.1% | $5,096-30.4% | $4,126-14.0% |
| Admin fee / account holder | $2,839 | $7,381-61.5% | $9,162-69.0% | $7,339-61.3% |