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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 | $36,064 | $94,529-61.8% | $140,019-74.2% | $64,173-43.8% |
| Participation rate | 100.0% | 84.1%+15.9pp | 87.5%+12.5pp | 69.6%+30.4pp |
| Annual return | -2.67% | 7.77%-10.4pp | 651.15%-653.8pp | 7.63%-10.3pp |
| Employer contribution / active EE | $7,207 | $3,812+89.1% | $5,605+28.6% | $2,381+202.7% |
| Participant deferral / active EE | $6,593 | $5,250+25.6% | $6,927-4.8% | $3,470+90.0% |
| Admin fee / account holder | $2,121 | $6,741-68.5% | $10,705-80.2% | $4,887-56.6% |