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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 | $33,891 | $99,957-66.1% | $149,730-77.4% | $73,493-53.9% |
| Participation rate | 74.6% | 75.7%-1.1pp | 82.5%-7.9pp | 70.7%+3.9pp |
| Annual return | 29.32% | 53.87%-24.6pp | 276.70%-247.4pp | 28.51%+0.8pp |
| Employer contribution / active EE | $2,868 | $3,191-10.1% | $4,645-38.3% | $2,270+26.3% |
| Participant deferral / active EE | $5,273 | $6,073-13.2% | $6,843-22.9% | $3,740+41.0% |
| Admin fee / account holder | $3,260 | $551+492.0% | $9,310-65.0% | $513+535.4% |