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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 | $28,935 | $77,908-62.9% | $149,696-80.7% | $75,173-61.5% |
| Participation rate | 81.0% | 65.6%+15.5pp | 78.8%+2.3pp | 67.2%+13.8pp |
| Annual return | 17.96% | 31.73%-13.8pp | 134.46%-116.5pp | 160.72%-142.8pp |
| Employer contribution / active EE | $1,847 | $3,138-41.1% | $4,821-61.7% | $2,671-30.8% |
| Participant deferral / active EE | $3,038 | $3,411-10.9% | $5,682-46.5% | $4,126-26.4% |
| Admin fee / account holder | $421 | $5,950-92.9% | $13,212-96.8% | $5,651-92.6% |