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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 | $60,393+48.1% | $81,820+9.3% | $74,429+20.2% |
| Participation rate | 77.2% | 62.9%+14.3pp | 72.4%+4.9pp | 67.2%+10.0pp |
| Annual return | 16.36% | 16.89%-0.5pp | 777.93%-761.6pp | 1368.38%-1352.0pp |
| Employer contribution / active EE | $1,680 | $2,626-36.0% | $2,915-42.4% | $2,625-36.0% |
| Participant deferral / active EE | $8,564 | $3,397+152.1% | $4,323+98.1% | $4,348+96.9% |
| Admin fee / account holder | $1,887 | $1,491+26.6% | $7,391-74.5% | $1,944-2.9% |