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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 | $102,385+25.4% | $147,080-12.7% | $80,935+58.6% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 25.95% | 135.09%-109.1pp | 420.17%-394.2pp | 35.66%-9.7pp |
| Employer contribution / active EE | $1,359 | $3,717-63.4% | $4,933-72.5% | $2,757-50.7% |
| Participant deferral / active EE | $9,643 | $6,651+45.0% | $8,066+19.6% | $4,299+124.3% |
| Admin fee / account holder | $7,019 | $7,951-11.7% | $12,989-46.0% | $6,924+1.4% |