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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 | $19,646-74.7% | $71,585-93.0% | $64,097-92.2% |
| Participation rate | 73.0% | 64.7%+8.3pp | 68.2%+4.9pp | 55.2%+17.8pp |
| Annual return | 21.42% | 36.81%-15.4pp | 59.26%-37.8pp | 34.64%-13.2pp |
| Employer contribution / active EE | $565 | $713-20.8% | $1,669-66.1% | $1,891-70.1% |
| Participant deferral / active EE | $1,663 | $1,665-0.1% | $2,923-43.1% | $3,080-46.0% |
| Admin fee / account holder | $1,366 | $1,850-26.2% | $4,712-71.0% | $3,454-60.5% |