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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 | $31,130 | $59,813-48.0% | $79,580-60.9% | $68,486-54.5% |
| Participation rate | 98.9% | 61.1%+37.8pp | 69.5%+29.4pp | 67.9%+31.0pp |
| Annual return | -15.11% | -12.30%-2.8pp | 0.15%-15.3pp | -7.85%-7.3pp |
| Employer contribution / active EE | $2,496 | $1,505+65.8% | $2,413+3.4% | $2,597-3.9% |
| Participant deferral / active EE | $3,806 | $3,024+25.9% | $3,985-4.5% | $4,028-5.5% |
| Admin fee / account holder | $1,173 | $4,835-75.7% | $6,835-82.8% | $5,404-78.3% |