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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 | $45,577 | $88,360-48.4% | $145,433-68.7% | $67,986-33.0% |
| Participation rate | 70.6% | 65.5%+5.1pp | 82.1%-11.5pp | 57.2%+13.4pp |
| Annual return | 19.63% | 63.15%-43.5pp | 66.58%-46.9pp | 31.67%-12.0pp |
| Employer contribution / active EE | $3,425 | $3,054+12.2% | $4,554-24.8% | $2,019+69.7% |
| Participant deferral / active EE | $6,916 | $5,932+16.6% | $7,897-12.4% | $3,358+106.0% |
| Admin fee / account holder | $11,054 | $3,313+233.6% | $13,129-15.8% | $3,203+245.1% |