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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 | $40,354 | $67,776-40.5% | $90,312-55.3% | $65,306-38.2% |
| Participation rate | 70.1% | 58.1%+12.0pp | 72.9%-2.7pp | 57.7%+12.5pp |
| Annual return | 23.66% | 16.62%+7.0pp | 18.90%+4.8pp | 21.94%+1.7pp |
| Employer contribution / active EE | $1,372 | $2,195-37.5% | $2,243-38.8% | $1,967-30.3% |
| Participant deferral / active EE | $5,778 | $2,641+118.8% | $3,749+54.1% | $2,959+95.3% |
| Admin fee / account holder | $2,110 | $3,322-36.5% | $8,248-74.4% | $3,480-39.4% |