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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 | $32,665 | $91,198-64.2% | $178,503-81.7% | $79,856-59.1% |
| Participation rate | 100.0% | 69.2%+30.8pp | 81.9%+18.1pp | 69.6%+30.4pp |
| Annual return | 11.61% | 24.20%-12.6pp | 151.12%-139.5pp | 31.71%-20.1pp |
| Employer contribution / active EE | $6,001 | $3,257+84.3% | $5,011+19.7% | $2,471+142.8% |
| Participant deferral / active EE | $3,831 | $3,237+18.4% | $5,202-26.4% | $3,741+2.4% |
| Admin fee / account holder | $4,434 | $6,748-34.3% | $13,987-68.3% | $5,306-16.4% |