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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 | $23,983 | $64,729-62.9% | $112,263-78.6% | $68,490-65.0% |
| Participation rate | 100.0% | 67.2%+32.8pp | 75.1%+24.9pp | 67.9%+32.1pp |
| Annual return | -17.90% | -11.40%-6.5pp | 27.49%-45.4pp | -7.85%-10.0pp |
| Employer contribution / active EE | $2,114 | $2,746-23.0% | $3,636-41.9% | $2,597-18.6% |
| Participant deferral / active EE | $3,903 | $3,566+9.5% | $4,729-17.5% | $4,028-3.1% |
| Admin fee / account holder | $1,111 | $5,222-78.7% | $6,410-82.7% | $5,403-79.4% |