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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 | $205,758 | $58,895+249.4% | $178,503+15.3% | $73,497+180.0% |
| Participation rate | 79.4% | 66.2%+13.2pp | 81.9%-2.5pp | 70.7%+8.8pp |
| Annual return | 19.80% | 24.86%-5.1pp | 151.12%-131.3pp | 28.51%-8.7pp |
| Employer contribution / active EE | $3,738 | $2,236+67.2% | $5,011-25.4% | $2,270+64.7% |
| Participant deferral / active EE | $6,027 | $2,567+134.8% | $5,202+15.8% | $3,740+61.1% |
| Admin fee / account holder | $1,027 | $400+156.4% | $13,987-92.7% | $513+100.1% |