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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 | $56,915 | $102,382-44.4% | $147,005-61.3% | $80,874-29.6% |
| Participation rate | 76.3% | 75.8%+0.5pp | 82.2%-5.8pp | 67.6%+8.7pp |
| Annual return | 13.07% | 134.89%-121.8pp | 418.76%-405.7pp | 35.62%-22.6pp |
| Employer contribution / active EE | $3,273 | $3,715-11.9% | $4,934-33.7% | $2,756+18.8% |
| Participant deferral / active EE | $6,798 | $6,646+2.3% | $8,070-15.8% | $4,297+58.2% |
| Admin fee / account holder | $8,053 | $7,942+1.4% | $13,006-38.1% | $6,935+16.1% |