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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 | $89,442 | $60,454+48.0% | $81,844+9.3% | $74,459+20.1% |
| Participation rate | 77.2% | 63.0%+14.3pp | 72.4%+4.9pp | 67.2%+10.0pp |
| Annual return | 16.36% | 16.87%-0.5pp | 778.87%-762.5pp | 1369.70%-1353.3pp |
| Employer contribution / active EE | $1,680 | $2,630-36.1% | $2,916-42.4% | $2,626-36.0% |
| Participant deferral / active EE | $8,564 | $3,398+152.0% | $4,323+98.1% | $4,350+96.9% |
| Admin fee / account holder | $1,887 | $1,490+26.6% | $7,355-74.3% | $1,945-3.0% |