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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 | $30,915 | $93,617-67.0% | $135,982-77.3% | $75,177-58.9% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 21.95% | 30.89%-8.9pp | 68.32%-46.4pp | 160.75%-138.8pp |
| Employer contribution / active EE | $3,283 | $3,538-7.2% | $4,859-32.4% | $2,671+22.9% |
| Participant deferral / active EE | $5,229 | $6,406-18.4% | $7,760-32.6% | $4,126+26.7% |
| Admin fee / account holder | $1,176 | $6,980-83.1% | $10,767-89.1% | $5,651-79.2% |