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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 | $42,714 | $106,524-59.9% | $152,301-72.0% | $87,485-51.2% |
| Participation rate | 98.8% | 75.8%+23.1pp | 82.4%+16.4pp | 68.9%+29.9pp |
| Annual return | 18.42% | 26.89%-8.5pp | 80.50%-62.1pp | 26.06%-7.6pp |
| Employer contribution / active EE | $2,214 | $3,371-34.3% | $4,624-52.1% | $2,596-14.7% |
| Participant deferral / active EE | $4,853 | $6,525-25.6% | $8,004-39.4% | $4,274+13.6% |
| Admin fee / account holder | $514 | $8,287-93.8% | $14,398-96.4% | $7,775-93.4% |