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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 | $51,274 | $101,653-49.6% | $147,080-65.1% | $74,459-31.1% |
| Participation rate | 92.1% | 75.6%+16.5pp | 82.2%+9.9pp | 67.2%+24.9pp |
| Annual return | 15.85% | 8754.98%-8739.1pp | 420.17%-404.3pp | 1369.70%-1353.8pp |
| Employer contribution / active EE | $2,420 | $3,813-36.5% | $4,933-50.9% | $2,626-7.8% |
| Participant deferral / active EE | $4,473 | $7,304-38.8% | $8,066-44.5% | $4,350+2.8% |
| Admin fee / account holder | $2,795 | $1,752+59.6% | $12,989-78.5% | $1,945+43.7% |