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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 | $48,010 | $46,688+2.8% | $189,758-74.7% | $69,733-31.2% |
| Participation rate | 75.2% | 61.7%+13.5pp | 79.8%-4.6pp | 62.5%+12.7pp |
| Annual return | 11.06% | 14.35%-3.3pp | 52.62%-41.6pp | 15.22%-4.2pp |
| Employer contribution / active EE | $1,898 | $1,695+12.0% | $4,767-60.2% | $2,250-15.6% |
| Participant deferral / active EE | $2,500 | $2,143+16.7% | $5,856-57.3% | $3,054-18.2% |
| Admin fee / account holder | $1,382 | $1,700-18.7% | $20,388-93.2% | $3,102-55.4% |