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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 | $109,458 | $81,504+34.3% | $102,437+6.9% | $80,959+35.2% |
| Participation rate | 87.2% | 66.9%+20.4pp | 74.5%+12.7pp | 67.7%+19.6pp |
| Annual return | 12.56% | 25.60%-13.0pp | 24.95%-12.4pp | 35.67%-23.1pp |
| Employer contribution / active EE | $3,015 | $3,104-2.8% | $3,871-22.1% | $2,757+9.4% |
| Participant deferral / active EE | $7,858 | $3,871+103.0% | $5,060+55.3% | $4,300+82.7% |
| Admin fee / account holder | $6,761 | $6,719+0.6% | $8,388-19.4% | $6,925-2.4% |