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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 | $51,876 | $89,652-42.1% | $141,197-63.3% | $65,186-20.4% |
| Participation rate | 85.2% | 74.7%+10.5pp | 82.5%+2.7pp | 70.2%+15.0pp |
| Annual return | 37.08% | 32.79%+4.3pp | 71.41%-34.3pp | 29.39%+7.7pp |
| Employer contribution / active EE | $3,280 | $3,065+7.0% | $4,736-30.7% | $2,177+50.7% |
| Participant deferral / active EE | $7,071 | $5,691+24.3% | $6,710+5.4% | $3,514+101.2% |
| Admin fee / account holder | $852 | $569+49.8% | $10,265-91.7% | $847+0.6% |