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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 | $89,558 | $81,358+10.1% | $155,556-42.4% | $80,959+10.6% |
| Participation rate | 86.8% | 66.3%+20.5pp | 78.2%+8.6pp | 67.7%+19.1pp |
| Annual return | 14.04% | 33.39%-19.3pp | 64.84%-50.8pp | 35.67%-21.6pp |
| Employer contribution / active EE | $9,778 | $3,106+214.8% | $4,675+109.1% | $2,757+254.6% |
| Participant deferral / active EE | $7,019 | $3,455+103.1% | $5,631+24.6% | $4,300+63.2% |
| Admin fee / account holder | $40,556 | $7,994+407.4% | $15,885+155.3% | $6,925+485.6% |