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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 | $14,248 | $76,407-81.4% | $150,298-90.5% | $82,448-82.7% |
| Participation rate | 93.2% | 66.4%+26.8pp | 77.8%+15.5pp | 68.1%+25.2pp |
| Annual return | 18.47% | 39.99%-21.5pp | 62.79%-44.3pp | 41.64%-23.2pp |
| Employer contribution / active EE | $1,004 | $2,614-61.6% | $4,154-75.8% | $2,551-60.7% |
| Participant deferral / active EE | $2,489 | $3,214-22.6% | $5,453-54.4% | $4,139-39.9% |
| Admin fee / account holder | $672 | $6,352-89.4% | $14,116-95.2% | $7,234-90.7% |