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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 | $13,779 | $45,266-69.6% | $103,693-86.7% | $65,306-78.9% |
| Participation rate | 84.2% | 53.3%+30.8pp | 72.6%+11.5pp | 57.7%+26.5pp |
| Annual return | 32.57% | 25.10%+7.5pp | 47.61%-15.0pp | 21.94%+10.6pp |
| Employer contribution / active EE | $1,716 | $1,765-2.8% | $2,920-41.3% | $1,967-12.8% |
| Participant deferral / active EE | $3,407 | $2,099+62.3% | $4,579-25.6% | $2,959+15.1% |
| Admin fee / account holder | $534 | $3,221-83.4% | $7,858-93.2% | $3,480-84.7% |