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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 | $21,492 | $77,908-72.4% | $149,696-85.6% | $75,173-71.4% |
| Participation rate | 82.6% | 65.6%+17.0pp | 78.8%+3.8pp | 67.2%+15.4pp |
| Annual return | 22.23% | 31.73%-9.5pp | 134.46%-112.2pp | 160.72%-138.5pp |
| Employer contribution / active EE | $1,887 | $3,138-39.8% | $4,821-60.8% | $2,671-29.3% |
| Participant deferral / active EE | $3,070 | $3,411-10.0% | $5,682-46.0% | $4,126-25.6% |
| Admin fee / account holder | $766 | $5,950-87.1% | $13,212-94.2% | $5,651-86.5% |