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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 | $76,090 | $93,598-18.7% | $135,974-44.0% | $75,173+1.2% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 28.71% | 30.89%-2.2pp | 68.30%-39.6pp | 160.72%-132.0pp |
| Employer contribution / active EE | $4,165 | $3,538+17.7% | $4,859-14.3% | $2,671+55.9% |
| Participant deferral / active EE | $8,455 | $6,405+32.0% | $7,760+9.0% | $4,126+104.9% |
| Admin fee / account holder | $1,212 | $6,978-82.6% | $10,767-88.7% | $5,651-78.6% |