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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 | $60,288 | $86,949-30.7% | $102,460-41.2% | $80,959-25.5% |
| Participation rate | 94.7% | 72.4%+22.4pp | 76.5%+18.2pp | 67.7%+27.1pp |
| Annual return | 10.60% | 18.89%-8.3pp | 29.47%-18.9pp | 35.67%-25.1pp |
| Employer contribution / active EE | $3,828 | $2,370+61.5% | $3,025+26.5% | $2,757+38.8% |
| Participant deferral / active EE | $2,759 | $4,121-33.1% | $5,056-45.4% | $4,300-35.8% |
| Admin fee / account holder | $691 | $8,048-91.4% | $9,460-92.7% | $6,925-90.0% |