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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 | $30,936 | $81,446-62.0% | $103,374-70.1% | $80,874-61.7% |
| Participation rate | 79.3% | 66.9%+12.5pp | 74.5%+4.8pp | 67.6%+11.7pp |
| Annual return | 13.86% | 25.57%-11.7pp | 24.89%-11.0pp | 35.62%-21.8pp |
| Employer contribution / active EE | $4,794 | $3,107+54.3% | $3,869+23.9% | $2,756+74.0% |
| Participant deferral / active EE | $3,759 | $3,870-2.9% | $5,058-25.7% | $4,297-12.5% |
| Admin fee / account holder | $1,380 | $6,715-79.4% | $8,394-83.6% | $6,935-80.1% |