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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 | $29,489 | $105,200-72.0% | $159,474-81.5% | $85,847-65.6% |
| Participation rate | 89.9% | 75.8%+14.1pp | 82.8%+7.0pp | 69.3%+20.6pp |
| Annual return | 28.72% | 45.08%-16.4pp | 263.68%-235.0pp | 318.61%-289.9pp |
| Employer contribution / active EE | $3,332 | $3,319+0.4% | $4,831-31.0% | $2,565+29.9% |
| Participant deferral / active EE | $7,368 | $5,946+23.9% | $7,353+0.2% | $3,952+86.4% |
| Admin fee / account holder | $1,312 | $6,934-81.1% | $10,802-87.9% | $6,261-79.0% |