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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 | $42,857 | $45,872-6.6% | $77,096-44.4% | $68,486-37.4% |
| Participation rate | 100.0% | 55.9%+44.1pp | 67.9%+32.1pp | 67.9%+32.1pp |
| Annual return | -17.58% | 1.73%-19.3pp | 42.35%-59.9pp | -7.85%-9.7pp |
| Employer contribution / active EE | $3,653 | $1,650+121.5% | $2,814+29.8% | $2,597+40.7% |
| Participant deferral / active EE | $1,914 | $2,963-35.4% | $4,429-56.8% | $4,028-52.5% |
| Admin fee / account holder | $1,403 | $3,041-53.9% | $5,428-74.2% | $5,404-74.0% |