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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 | $33,290 | $93,598-64.4% | $135,974-75.5% | $75,173-55.7% |
| Participation rate | 92.5% | 75.2%+17.3pp | 81.9%+10.6pp | 67.2%+25.3pp |
| Annual return | 41.30% | 30.89%+10.4pp | 68.30%-27.0pp | 160.72%-119.4pp |
| Employer contribution / active EE | $3,274 | $3,538-7.5% | $4,859-32.6% | $2,671+22.6% |
| Participant deferral / active EE | $6,802 | $6,405+6.2% | $7,760-12.3% | $4,126+64.8% |
| Admin fee / account holder | $2,972 | $6,978-57.4% | $10,767-72.4% | $5,651-47.4% |