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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 | $44,437 | $78,423-43.3% | $95,964-53.7% | $79,856-44.4% |
| Participation rate | 98.4% | 73.5%+24.9pp | 77.1%+21.3pp | 69.6%+28.7pp |
| Annual return | 13.60% | 19.37%-5.8pp | 91.64%-78.0pp | 31.71%-18.1pp |
| Employer contribution / active EE | $3,690 | $1,945+89.7% | $2,541+45.2% | $2,471+49.3% |
| Participant deferral / active EE | $2,671 | $3,440-22.4% | $4,167-35.9% | $3,741-28.6% |
| Admin fee / account holder | $1,561 | $5,622-72.2% | $6,797-77.0% | $5,306-70.6% |