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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 | $35,124 | $73,848-52.4% | $143,799-75.6% | $68,486-48.7% |
| Participation rate | 93.8% | 66.7%+27.2pp | 80.3%+13.5pp | 67.9%+25.9pp |
| Annual return | -11.44% | 0.91%-12.4pp | -0.04%-11.4pp | -7.85%-3.6pp |
| Employer contribution / active EE | $5,227 | $3,184+64.1% | $4,952+5.6% | $2,597+101.3% |
| Participant deferral / active EE | $3,956 | $3,385+16.9% | $5,638-29.8% | $4,028-1.8% |
| Admin fee / account holder | $619 | $5,755-89.3% | $14,677-95.8% | $5,404-88.6% |