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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 | $56,271 | $84,236-33.2% | $170,435-67.0% | $70,126-19.8% |
| Participation rate | 100.0% | 70.8%+29.2pp | 83.6%+16.4pp | 69.5%+30.5pp |
| Annual return | 22.70% | 23.06%-0.4pp | 205.94%-183.2pp | 73.15%-50.4pp |
| Employer contribution / active EE | $4,108 | $3,387+21.3% | $5,432-24.4% | $2,343+75.4% |
| Participant deferral / active EE | $4,351 | $3,086+41.0% | $4,939-11.9% | $3,332+30.6% |
| Admin fee / account holder | $983 | $5,698-82.8% | $13,881-92.9% | $4,645-78.8% |