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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 | $26,374 | $75,183-64.9% | $123,894-78.7% | $55,167-52.2% |
| Participation rate | 79.0% | 72.8%+6.2pp | 81.4%-2.4pp | 69.0%+10.0pp |
| Annual return | 28.56% | 19.01%+9.5pp | 47.52%-19.0pp | 169.23%-140.7pp |
| Employer contribution / active EE | $3,767 | $2,823+33.4% | $4,617-18.4% | $1,963+92.0% |
| Participant deferral / active EE | $6,616 | $5,084+30.1% | $5,984+10.6% | $3,054+116.6% |
| Admin fee / account holder | $342 | $663-48.3% | $8,357-95.9% | $504-32.1% |