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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 | $63,198 | $102,385-38.3% | $147,080-57.0% | $80,935-21.9% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 14.77% | 135.09%-120.3pp | 420.17%-405.4pp | 35.66%-20.9pp |
| Employer contribution / active EE | $3,963 | $3,717+6.6% | $4,933-19.7% | $2,757+43.8% |
| Participant deferral / active EE | $4,957 | $6,651-25.5% | $8,066-38.5% | $4,299+15.3% |
| Admin fee / account holder | $880 | $7,951-88.9% | $12,989-93.2% | $6,924-87.3% |