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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 | $24,127 | $52,884-54.4% | $84,751-71.5% | $55,167-56.3% |
| Participation rate | 100.0% | 67.5%+32.5pp | 76.6%+23.4pp | 69.0%+31.0pp |
| Annual return | 6.58% | 18.03%-11.5pp | 22.78%-16.2pp | 169.23%-162.7pp |
| Employer contribution / active EE | $7,720 | $2,233+245.6% | $3,574+116.0% | $1,963+293.4% |
| Participant deferral / active EE | $2,056 | $2,644-22.2% | $3,712-44.6% | $3,054-32.7% |
| Admin fee / account holder | $2,554 | $581+339.9% | $5,333-52.1% | $504+406.9% |