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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 | $45,011 | $84,236-46.6% | $170,439-73.6% | $70,124-35.8% |
| Participation rate | 95.5% | 70.8%+24.6pp | 83.6%+11.9pp | 69.5%+25.9pp |
| Annual return | 17.95% | 23.06%-5.1pp | 205.94%-188.0pp | 73.14%-55.2pp |
| Employer contribution / active EE | $1,069 | $3,387-68.4% | $5,433-80.3% | $2,342-54.3% |
| Participant deferral / active EE | $2,788 | $3,086-9.6% | $4,939-43.6% | $3,332-16.3% |
| Admin fee / account holder | $1,240 | $5,698-78.2% | $13,881-91.1% | $4,645-73.3% |