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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 | $21,179 | $99,875-78.8% | $146,866-85.6% | $86,983-75.7% |
| Participation rate | 77.6% | 75.8%+1.8pp | 82.5%-4.9pp | 69.5%+8.1pp |
| Annual return | 27.29% | 28.10%-0.8pp | 102.85%-75.6pp | 25.83%+1.5pp |
| Employer contribution / active EE | $1,750 | $3,224-45.7% | $4,425-60.4% | $2,584-32.3% |
| Participant deferral / active EE | $5,000 | $6,322-20.9% | $7,759-35.6% | $4,194+19.2% |
| Admin fee / account holder | $513 | $7,838-93.5% | $13,620-96.2% | $7,856-93.5% |