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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 | $52,522 | $76,112-31.0% | $96,534-45.6% | $71,511-26.6% |
| Participation rate | 89.2% | 74.4%+14.8pp | 76.0%+13.2pp | 67.9%+21.3pp |
| Annual return | 15.63% | 22.81%-7.2pp | 25.88%-10.2pp | 28.86%-13.2pp |
| Employer contribution / active EE | $1,647 | $2,248-26.7% | $2,965-44.5% | $2,589-36.4% |
| Participant deferral / active EE | $2,958 | $4,217-29.8% | $4,851-39.0% | $4,291-31.1% |
| Admin fee / account holder | $2,773 | $2,708+2.4% | $8,253-66.4% | $1,588+74.6% |