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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 | $137,330 | $75,058+83.0% | $152,301-9.8% | $64,340+113.4% |
| Participation rate | 92.1% | 60.9%+31.2pp | 82.4%+9.7pp | 55.2%+36.9pp |
| Annual return | 18.55% | 29.93%-11.4pp | 80.50%-62.0pp | 24.14%-5.6pp |
| Employer contribution / active EE | $8,060 | $2,605+209.4% | $4,624+74.3% | $1,862+333.0% |
| Participant deferral / active EE | $10,849 | $5,041+115.2% | $8,004+35.5% | $2,980+264.0% |
| Admin fee / account holder | $578 | $4,050-85.7% | $14,398-96.0% | $3,703-84.4% |