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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 | $4,100 | $25,014-83.6% | $69,611-94.1% | $80,925-94.9% |
| Participation rate | 81.6% | 64.2%+17.4pp | 66.4%+15.2pp | 67.7%+14.0pp |
| Annual return | 15.88% | 19.08%-3.2pp | 101.14%-85.3pp | 35.65%-19.8pp |
| Employer contribution / active EE | $633 | $991-36.2% | $1,709-63.0% | $2,756-77.0% |
| Participant deferral / active EE | $2,041 | $1,840+11.0% | $2,891-29.4% | $4,299-52.5% |
| Admin fee / account holder | $732 | $2,491-70.6% | $4,696-84.4% | $6,940-89.4% |