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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 | $25,878 | $63,346-59.1% | $92,240-71.9% | $70,126-63.1% |
| Participation rate | 100.0% | 68.7%+31.3pp | 76.5%+23.5pp | 69.5%+30.5pp |
| Annual return | 19.12% | 530.19%-511.1pp | 176.29%-157.2pp | 73.15%-54.0pp |
| Employer contribution / active EE | $4,745 | $2,471+92.0% | $3,680+29.0% | $2,343+102.6% |
| Participant deferral / active EE | $2,034 | $2,854-28.7% | $3,897-47.8% | $3,332-39.0% |
| Admin fee / account holder | $2,164 | $3,841-43.7% | $5,194-58.3% | $4,645-53.4% |