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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 | $30,535 | $56,110-45.6% | $94,993-67.9% | $70,126-56.5% |
| Participation rate | 100.0% | 65.0%+35.0pp | 73.9%+26.1pp | 69.5%+30.5pp |
| Annual return | 21.52% | 51.02%-29.5pp | 27.14%-5.6pp | 73.15%-51.6pp |
| Employer contribution / active EE | $2,498 | $1,442+73.2% | $2,603-4.0% | $2,343+6.6% |
| Participant deferral / active EE | $3,109 | $2,391+30.0% | $3,317-6.3% | $3,332-6.7% |
| Admin fee / account holder | $761 | $3,456-78.0% | $4,960-84.7% | $4,645-83.6% |