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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 | $11,915 | $43,075-72.3% | $74,577-84.0% | $62,881-81.1% |
| Participation rate | 96.0% | 58.1%+37.9pp | 68.1%+27.9pp | 69.3%+26.7pp |
| Annual return | 12.39% | 17.50%-5.1pp | 20.47%-8.1pp | 20.14%-7.8pp |
| Employer contribution / active EE | $3,847 | $1,498+156.9% | $2,525+52.4% | $2,281+68.7% |
| Participant deferral / active EE | $3,221 | $2,389+34.8% | $3,458-6.8% | $3,203+0.6% |
| Admin fee / account holder | $505 | $2,840-82.2% | $4,138-87.8% | $4,296-88.2% |