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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 | $43,730-68.5% | $66,674-79.3% | $64,097-78.5% |
| Participation rate | 84.2% | 50.7%+33.4pp | 73.7%+10.5pp | 55.2%+29.0pp |
| Annual return | 32.57% | 53.62%-21.1pp | 321.24%-288.7pp | 34.64%-2.1pp |
| Employer contribution / active EE | $1,716 | $1,673+2.5% | $2,620-34.5% | $1,891-9.3% |
| Participant deferral / active EE | $3,407 | $2,122+60.6% | $4,084-16.6% | $3,080+10.6% |
| Admin fee / account holder | $534 | $2,708-80.3% | $5,098-89.5% | $3,454-84.5% |