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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 | $81,504-62.0% | $102,437-69.8% | $80,959-61.8% |
| Participation rate | 79.3% | 66.9%+12.5pp | 74.5%+4.8pp | 67.7%+11.7pp |
| Annual return | 13.86% | 25.60%-11.7pp | 24.95%-11.1pp | 35.67%-21.8pp |
| Employer contribution / active EE | $4,794 | $3,104+54.5% | $3,871+23.8% | $2,757+73.9% |
| Participant deferral / active EE | $3,759 | $3,871-2.9% | $5,060-25.7% | $4,300-12.6% |
| Admin fee / account holder | $1,380 | $6,719-79.5% | $8,388-83.5% | $6,925-80.1% |