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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 | $42,286 | $55,453-23.7% | $170,435-75.2% | $62,293-32.1% |
| Participation rate | 97.0% | 66.4%+30.7pp | 83.6%+13.4pp | 69.5%+27.5pp |
| Annual return | 17.33% | 21.38%-4.0pp | 205.94%-188.6pp | 28.90%-11.6pp |
| Employer contribution / active EE | $3,925 | $2,164+81.4% | $5,432-27.7% | $2,042+92.2% |
| Participant deferral / active EE | $2,224 | $2,303-3.4% | $4,939-55.0% | $3,169-29.8% |
| Admin fee / account holder | $645 | $455+41.7% | $13,881-95.4% | $479+34.5% |