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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 | $7,707 | $25,014-69.2% | $69,632-88.9% | $80,959-90.5% |
| Participation rate | 98.9% | 64.2%+34.7pp | 66.4%+32.5pp | 67.7%+31.2pp |
| Annual return | 17.39% | 19.08%-1.7pp | 101.32%-83.9pp | 35.67%-18.3pp |
| Employer contribution / active EE | $1,056 | $991+6.5% | $1,708-38.2% | $2,757-61.7% |
| Participant deferral / active EE | $2,653 | $1,840+44.2% | $2,889-8.2% | $4,300-38.3% |
| Admin fee / account holder | $528 | $2,491-78.8% | $4,695-88.8% | $6,925-92.4% |