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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 | $26,401 | $55,437-52.4% | $155,534-83.0% | $74,459-64.5% |
| Participation rate | 87.3% | 61.9%+25.4pp | 78.2%+9.1pp | 67.2%+20.0pp |
| Annual return | 13.67% | 269.58%-255.9pp | 64.92%-51.2pp | 1369.70%-1356.0pp |
| Employer contribution / active EE | $1,755 | $2,266-22.5% | $4,675-62.5% | $2,626-33.2% |
| Participant deferral / active EE | $3,830 | $2,837+35.0% | $5,630-32.0% | $4,350-12.0% |
| Admin fee / account holder | $1,817 | $1,742+4.3% | $15,900-88.6% | $1,945-6.6% |