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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 | $19,239 | $56,894-66.2% | $84,753-77.3% | $62,881-69.4% |
| Participation rate | 81.3% | 68.5%+12.8pp | 76.6%+4.7pp | 69.3%+12.0pp |
| Annual return | 6.36% | 6.30%+0.1pp | 22.78%-16.4pp | 20.14%-13.8pp |
| Employer contribution / active EE | $1,442 | $2,400-39.9% | $3,574-59.7% | $2,281-36.8% |
| Participant deferral / active EE | $2,006 | $2,709-26.0% | $3,712-46.0% | $3,203-37.4% |
| Admin fee / account holder | $1,887 | $3,581-47.3% | $5,333-64.6% | $4,296-56.1% |