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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 | $128,341 | $102,429+25.3% | $147,096-12.7% | $80,925+58.6% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 25.95% | 135.02%-109.1pp | 419.75%-393.8pp | 35.65%-9.7pp |
| Employer contribution / active EE | $1,359 | $3,716-63.4% | $4,936-72.5% | $2,756-50.7% |
| Participant deferral / active EE | $9,643 | $6,649+45.0% | $8,071+19.5% | $4,299+124.3% |
| Admin fee / account holder | $7,019 | $7,957-11.8% | $13,005-46.0% | $6,940+1.1% |