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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 | $62,086-35.0% | $90,259-55.3% | $64,340-37.3% |
| Participation rate | 70.1% | 53.9%+16.3pp | 70.7%-0.6pp | 55.2%+14.9pp |
| Annual return | 23.66% | 16.73%+6.9pp | 18.88%+4.8pp | 24.14%-0.5pp |
| Employer contribution / active EE | $1,372 | $1,883-27.1% | $2,291-40.1% | $1,862-26.3% |
| Participant deferral / active EE | $5,778 | $2,557+126.0% | $3,827+51.0% | $2,980+93.9% |
| Admin fee / account holder | $2,110 | $3,317-36.4% | $7,267-71.0% | $3,703-43.0% |