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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 | $29,041 | $63,773-54.5% | $81,286-64.3% | $80,925-64.1% |
| Participation rate | 100.0% | 63.9%+36.1pp | 69.5%+30.5pp | 67.7%+32.3pp |
| Annual return | 10.36% | 16.37%-6.0pp | 24.80%-14.4pp | 35.65%-25.3pp |
| Employer contribution / active EE | $6,037 | $1,979+205.0% | $2,463+145.1% | $2,756+119.0% |
| Participant deferral / active EE | $2,975 | $3,093-3.8% | $3,883-23.4% | $4,299-30.8% |
| Admin fee / account holder | $2,200 | $5,682-61.3% | $5,764-61.8% | $6,940-68.3% |