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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 | $101,539-49.5% | $147,041-65.1% | $74,400-31.1% |
| Participation rate | 92.1% | 75.5%+16.6pp | 82.2%+9.9pp | 67.2%+24.9pp |
| Annual return | 15.85% | 8740.84%-8725.0pp | 419.21%-403.4pp | 1367.51%-1351.7pp |
| Employer contribution / active EE | $2,420 | $3,811-36.5% | $4,935-51.0% | $2,624-7.8% |
| Participant deferral / active EE | $4,473 | $7,304-38.8% | $8,071-44.6% | $4,348+2.9% |
| Admin fee / account holder | $2,795 | $1,749+59.8% | $13,006-78.5% | $1,944+43.8% |