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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 | $212,981 | $75,962+180.4% | $154,108+38.2% | $64,173+231.9% |
| Participation rate | 90.2% | 70.4%+19.8pp | 83.0%+7.2pp | 69.6%+20.6pp |
| Annual return | -5.37% | 30.32%-35.7pp | 735.21%-740.6pp | 7.63%-13.0pp |
| Employer contribution / active EE | $15,034 | $3,350+348.8% | $5,298+183.8% | $2,381+531.5% |
| Participant deferral / active EE | $11,881 | $3,175+274.2% | $5,081+133.9% | $3,470+242.4% |
| Admin fee / account holder | $6,967 | $5,589+24.7% | $13,411-48.1% | $4,887+42.6% |