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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 | $4,979 | $16,790-70.3% | $64,489-92.3% | $67,986-92.7% |
| Participation rate | 73.0% | 62.4%+10.6pp | 67.7%+5.3pp | 57.2%+15.8pp |
| Annual return | 21.42% | 30.55%-9.1pp | 55.03%-33.6pp | 31.67%-10.2pp |
| Employer contribution / active EE | $565 | $648-12.8% | $1,523-62.9% | $2,019-72.0% |
| Participant deferral / active EE | $1,663 | $1,510+10.1% | $2,778-40.1% | $3,358-50.5% |
| Admin fee / account holder | $1,366 | $1,690-19.2% | $4,260-67.9% | $3,203-57.4% |