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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 | $31,164 | $80,781-61.4% | $102,437-69.6% | $74,478-58.2% |
| Participation rate | 73.3% | 65.7%+7.6pp | 74.5%-1.2pp | 67.2%+6.1pp |
| Annual return | 13.93% | 27.58%-13.6pp | 24.95%-11.0pp | 1370.56%-1356.6pp |
| Employer contribution / active EE | $1,555 | $3,160-50.8% | $3,871-59.8% | $2,626-40.8% |
| Participant deferral / active EE | $1,997 | $3,862-48.3% | $5,060-60.5% | $4,350-54.1% |
| Admin fee / account holder | $2,722 | $2,372+14.8% | $8,388-67.5% | $1,946+39.9% |