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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 | $30,918 | $85,169-63.7% | $172,755-82.1% | $72,983-57.6% |
| Participation rate | 97.6% | 70.1%+27.5pp | 82.6%+14.9pp | 69.5%+28.1pp |
| Annual return | 25.33% | 27.32%-2.0pp | 802.94%-777.6pp | 81.01%-55.7pp |
| Employer contribution / active EE | $1,301 | $3,324-60.9% | $5,144-74.7% | $2,440-46.7% |
| Participant deferral / active EE | $2,610 | $3,260-19.9% | $5,198-49.8% | $3,608-27.7% |
| Admin fee / account holder | $639 | $5,880-89.1% | $13,955-95.4% | $5,124-87.5% |