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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 | $51,205 | $64,517-20.6% | $81,438-37.1% | $80,874-36.7% |
| Participation rate | 100.0% | 63.9%+36.1pp | 69.5%+30.5pp | 67.6%+32.4pp |
| Annual return | 12.08% | 16.35%-4.3pp | 24.74%-12.7pp | 35.62%-23.5pp |
| Employer contribution / active EE | $9,593 | $1,982+384.0% | $2,460+289.9% | $2,756+248.1% |
| Participant deferral / active EE | $7,137 | $3,096+130.6% | $3,883+83.8% | $4,297+66.1% |
| Admin fee / account holder | $632 | $5,677-88.9% | $5,764-89.0% | $6,935-90.9% |