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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 | $45,895 | $77,816-41.0% | $123,552-62.9% | $64,173-28.5% |
| Participation rate | 100.0% | 74.7%+25.3pp | 82.3%+17.7pp | 69.6%+30.4pp |
| Annual return | -5.17% | 12.49%-17.7pp | 119.20%-124.4pp | 7.63%-12.8pp |
| Employer contribution / active EE | $11,042 | $3,014+266.3% | $4,628+138.6% | $2,381+363.8% |
| Participant deferral / active EE | $5,392 | $5,240+2.9% | $6,426-16.1% | $3,470+55.4% |
| Admin fee / account holder | $1,883 | $5,519-65.9% | $9,285-79.7% | $4,887-61.5% |