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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 | $27,876 | $41,016-32.0% | $152,093-81.7% | $64,097-56.5% |
| Participation rate | 79.8% | 51.3%+28.5pp | 77.8%+2.1pp | 55.2%+24.6pp |
| Annual return | 23.22% | 39.60%-16.4pp | 66.36%-43.1pp | 34.64%-11.4pp |
| Employer contribution / active EE | $1,833 | $1,342+36.6% | $4,175-56.1% | $1,891-3.1% |
| Participant deferral / active EE | $3,109 | $1,927+61.3% | $5,451-43.0% | $3,080+0.9% |
| Admin fee / account holder | $1,639 | $2,305-28.9% | $14,497-88.7% | $3,454-52.6% |