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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 | $44,284 | $62,672-29.3% | $185,117-76.1% | $70,131-36.9% |
| Participation rate | 92.3% | 63.8%+28.5pp | 77.3%+15.0pp | 69.5%+22.8pp |
| Annual return | 14.97% | 40.79%-25.8pp | 40.50%-25.5pp | 73.14%-58.2pp |
| Employer contribution / active EE | $2,570 | $1,753+46.6% | $4,182-38.5% | $2,342+9.7% |
| Participant deferral / active EE | $4,269 | $3,272+30.5% | $5,045-15.4% | $3,332+28.1% |
| Admin fee / account holder | $1,247 | $3,932-68.3% | $8,159-84.7% | $4,645-73.2% |