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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 | $37,223 | $69,012-46.1% | $160,037-76.7% | $68,490-45.7% |
| Participation rate | 100.0% | 65.4%+34.6pp | 78.0%+22.0pp | 67.9%+32.1pp |
| Annual return | -17.18% | -9.65%-7.5pp | 408.95%-426.1pp | -7.85%-9.3pp |
| Employer contribution / active EE | $6,054 | $2,212+173.6% | $4,226+43.3% | $2,597+133.2% |
| Participant deferral / active EE | $5,009 | $4,212+18.9% | $6,184-19.0% | $4,028+24.4% |
| Admin fee / account holder | $19,883 | $4,798+314.4% | $8,716+128.1% | $5,403+268.0% |