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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 | $59,890 | $72,607-17.5% | $90,259-33.6% | $87,485-31.5% |
| Participation rate | 100.0% | 64.8%+35.2pp | 70.7%+29.3pp | 68.9%+31.1pp |
| Annual return | 17.58% | 18.59%-1.0pp | 18.88%-1.3pp | 26.06%-8.5pp |
| Employer contribution / active EE | $2,931 | $1,919+52.7% | $2,291+27.9% | $2,596+12.9% |
| Participant deferral / active EE | $5,567 | $3,055+82.2% | $3,827+45.5% | $4,274+30.3% |
| Admin fee / account holder | $1,031 | $5,947-82.7% | $7,267-85.8% | $7,775-86.7% |