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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 | $3,505 | $23,330-85.0% | $64,489-94.6% | $82,448-95.7% |
| Participation rate | 72.1% | 68.3%+3.8pp | 67.7%+4.4pp | 68.1%+4.1pp |
| Annual return | 20.57% | 83.66%-63.1pp | 55.03%-34.5pp | 41.64%-21.1pp |
| Employer contribution / active EE | $603 | $824-26.8% | $1,523-60.4% | $2,551-76.3% |
| Participant deferral / active EE | $1,826 | $1,707+6.9% | $2,778-34.3% | $4,139-55.9% |
| Admin fee / account holder | $486 | $2,946-83.5% | $4,260-88.6% | $7,234-93.3% |