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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 | $27,472 | $74,535-63.1% | $100,712-72.7% | $82,637-66.8% |
| Participation rate | 89.5% | 61.2%+28.3pp | 69.3%+20.2pp | 68.1%+21.4pp |
| Annual return | 18.20% | 18.92%-0.7pp | 33.27%-15.1pp | 53.51%-35.3pp |
| Employer contribution / active EE | $4,655 | $1,503+209.8% | $2,313+101.3% | $2,552+82.4% |
| Participant deferral / active EE | $2,953 | $3,074-3.9% | $4,085-27.7% | $4,126-28.4% |
| Admin fee / account holder | $1,050 | $6,576-84.0% | $9,256-88.7% | $7,339-85.7% |