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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 | $82,192 | $76,407+7.6% | $150,298-45.3% | $82,448-0.3% |
| Participation rate | 92.0% | 66.4%+25.6pp | 77.8%+14.2pp | 68.1%+23.9pp |
| Annual return | 17.10% | 39.99%-22.9pp | 62.79%-45.7pp | 41.64%-24.5pp |
| Employer contribution / active EE | $5,863 | $2,614+124.3% | $4,154+41.1% | $2,551+129.8% |
| Participant deferral / active EE | $5,944 | $3,214+84.9% | $5,453+9.0% | $4,139+43.6% |
| Admin fee / account holder | $1,217 | $6,352-80.8% | $14,116-91.4% | $7,234-83.2% |