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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 | $34,241 | $93,589-63.4% | $135,942-74.8% | $75,181-54.5% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 26.53% | 30.90%-4.4pp | 68.28%-41.7pp | 160.69%-134.2pp |
| Employer contribution / active EE | $2,423 | $3,537-31.5% | $4,858-50.1% | $2,671-9.3% |
| Participant deferral / active EE | $5,154 | $6,405-19.5% | $7,759-33.6% | $4,126+24.9% |
| Admin fee / account holder | $4,951 | $6,977-29.0% | $10,764-54.0% | $5,650-12.4% |