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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 | $30,837 | $89,364-65.5% | $141,177-78.2% | $72,983-57.7% |
| Participation rate | 97.8% | 75.1%+22.7pp | 82.5%+15.3pp | 69.5%+28.3pp |
| Annual return | 21.40% | 111.86%-90.5pp | 71.40%-50.0pp | 81.01%-59.6pp |
| Employer contribution / active EE | $2,358 | $3,115-24.3% | $4,736-50.2% | $2,440-3.3% |
| Participant deferral / active EE | $4,391 | $5,419-19.0% | $6,710-34.6% | $3,608+21.7% |
| Admin fee / account holder | $2,233 | $5,959-62.5% | $10,263-78.2% | $5,124-56.4% |