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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 | $40,584 | $60,442-32.9% | $96,754-58.1% | $87,485-53.6% |
| Participation rate | 88.9% | 58.7%+30.2pp | 70.3%+18.6pp | 68.9%+20.0pp |
| Annual return | 20.12% | 21.97%-1.8pp | 82.04%-61.9pp | 26.06%-5.9pp |
| Employer contribution / active EE | $15,393 | $1,691+810.4% | $2,679+474.6% | $2,596+492.9% |
| Participant deferral / active EE | $14,090 | $3,280+329.6% | $4,758+196.1% | $4,274+229.7% |
| Admin fee / account holder | $12,618 | $5,069+148.9% | $8,905+41.7% | $7,775+62.3% |