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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 | $32,486 | $69,977-53.6% | $108,582-70.1% | $62,881-48.3% |
| Participation rate | 93.4% | 72.9%+20.5pp | 79.6%+13.8pp | 69.3%+24.1pp |
| Annual return | 8.26% | 10.73%-2.5pp | -51.70%+60.0pp | 20.14%-11.9pp |
| Employer contribution / active EE | $1,730 | $2,135-19.0% | $3,758-54.0% | $2,281-24.1% |
| Participant deferral / active EE | $3,245 | $3,165+2.5% | $4,311-24.7% | $3,203+1.3% |
| Admin fee / account holder | $344 | $5,076-93.2% | $7,645-95.5% | $4,296-92.0% |