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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 | $39,358 | $66,302-40.6% | $110,243-64.3% | $56,287-30.1% |
| Participation rate | 86.1% | 74.9%+11.2pp | 79.8%+6.3pp | 69.9%+16.3pp |
| Annual return | 2.93% | -1.18%+4.1pp | 314.76%-311.8pp | -9.96%+12.9pp |
| Employer contribution / active EE | $0 | $2,047-100.0% | $3,827-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $4,703 | $3,381+39.1% | $4,672+0.7% | $3,350+40.4% |
| Admin fee / account holder | $7,113 | $698+918.3% | $8,548-16.8% | $521+1265.3% |