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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 | $16,039 | $41,377-61.2% | $109,313-85.3% | $62,881-74.5% |
| Participation rate | 82.9% | 57.5%+25.3pp | 71.3%+11.6pp | 69.3%+13.6pp |
| Annual return | 23.09% | 11.05%+12.0pp | 22.07%+1.0pp | 20.14%+2.9pp |
| Employer contribution / active EE | $1,353 | $1,276+6.0% | $3,892-65.2% | $2,281-40.7% |
| Participant deferral / active EE | $2,709 | $2,045+32.5% | $3,166-14.4% | $3,203-15.4% |
| Admin fee / account holder | $543 | $2,884-81.2% | $5,666-90.4% | $4,296-87.4% |