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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 | $106,864-60.0% | $147,318-71.0% | $82,637-48.3% |
| Participation rate | 98.8% | 75.5%+23.3pp | 82.1%+16.8pp | 68.1%+30.8pp |
| Annual return | 18.42% | 27.49%-9.1pp | 70.43%-52.0pp | 53.51%-35.1pp |
| Employer contribution / active EE | $2,214 | $3,417-35.2% | $4,593-51.8% | $2,552-13.2% |
| Participant deferral / active EE | $4,853 | $6,496-25.3% | $7,906-38.6% | $4,126+17.6% |
| Admin fee / account holder | $514 | $8,415-93.9% | $13,708-96.3% | $7,339-93.0% |