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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 | $38,639 | $106,749-63.8% | $145,433-73.4% | $82,448-53.1% |
| Participation rate | 98.6% | 75.6%+23.0pp | 82.1%+16.5pp | 68.1%+30.5pp |
| Annual return | 21.47% | 27.59%-6.1pp | 66.58%-45.1pp | 41.64%-20.2pp |
| Employer contribution / active EE | $9,920 | $3,444+188.0% | $4,554+117.8% | $2,551+288.9% |
| Participant deferral / active EE | $10,173 | $6,519+56.1% | $7,897+28.8% | $4,139+145.8% |
| Admin fee / account holder | $6,543 | $8,390-22.0% | $13,129-50.2% | $7,234-9.6% |