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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 | $37,044 | $81,233-54.4% | $155,567-76.2% | $80,874-54.2% |
| Participation rate | 100.0% | 66.2%+33.8pp | 78.2%+21.8pp | 67.6%+32.4pp |
| Annual return | 15.10% | 33.33%-18.2pp | 64.74%-49.6pp | 35.62%-20.5pp |
| Employer contribution / active EE | $2,813 | $3,101-9.3% | $4,674-39.8% | $2,756+2.1% |
| Participant deferral / active EE | $3,325 | $3,452-3.7% | $5,628-40.9% | $4,297-22.6% |
| Admin fee / account holder | $9,251 | $7,998+15.7% | $15,916-41.9% | $6,935+33.4% |