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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 | $30,772 | $86,940-64.6% | $102,434-70.0% | $80,935-62.0% |
| Participation rate | 96.7% | 72.4%+24.3pp | 76.5%+20.2pp | 67.7%+29.0pp |
| Annual return | 17.17% | 18.89%-1.7pp | 29.46%-12.3pp | 35.66%-18.5pp |
| Employer contribution / active EE | $2,803 | $2,370+18.3% | $3,023-7.3% | $2,757+1.7% |
| Participant deferral / active EE | $5,523 | $4,121+34.0% | $5,055+9.3% | $4,299+28.5% |
| Admin fee / account holder | $2,299 | $8,047-71.4% | $9,462-75.7% | $6,924-66.8% |