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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 | $14,905 | $55,684-73.2% | $75,900-80.4% | $72,976-79.6% |
| Participation rate | 100.0% | 61.1%+38.9pp | 69.3%+30.7pp | 69.5%+30.5pp |
| Annual return | 21.07% | 27.60%-6.5pp | 30.73%-9.7pp | 81.02%-59.9pp |
| Employer contribution / active EE | $2,257 | $1,687+33.8% | $2,501-9.8% | $2,440-7.5% |
| Participant deferral / active EE | $2,917 | $2,634+10.8% | $3,604-19.0% | $3,608-19.1% |
| Admin fee / account holder | $875 | $3,981-78.0% | $5,421-83.9% | $5,124-82.9% |