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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 | $27,165 | $60,349-55.0% | $74,184-63.4% | $62,881-56.8% |
| Participation rate | 95.7% | 72.7%+22.9pp | 76.6%+19.0pp | 69.3%+26.3pp |
| Annual return | 8.44% | 21.38%-12.9pp | 17.74%-9.3pp | 20.14%-11.7pp |
| Employer contribution / active EE | $1,987 | $1,680+18.2% | $2,370-16.2% | $2,281-12.9% |
| Participant deferral / active EE | $3,347 | $2,856+17.2% | $3,550-5.7% | $3,203+4.5% |
| Admin fee / account holder | $748 | $4,261-82.5% | $5,586-86.6% | $4,296-82.6% |