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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 | $63,949-36.5% | $129,031-68.5% | $94,015-56.8% |
| Participation rate | 88.9% | 63.4%+25.5pp | 73.4%+15.5pp | 70.8%+18.1pp |
| Annual return | 20.12% | 17.56%+2.6pp | 34.67%-14.5pp | 17.84%+2.3pp |
| Employer contribution / active EE | $15,393 | $1,865+725.6% | $3,226+377.2% | $2,790+451.7% |
| Participant deferral / active EE | $14,090 | $3,686+282.2% | $5,217+170.1% | $4,249+231.6% |
| Admin fee / account holder | $12,618 | $5,523+128.4% | $13,208-4.5% | $8,951+41.0% |