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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 | $37,417 | $79,181-52.7% | $102,423-63.5% | $74,429-49.7% |
| Participation rate | 91.5% | 74.8%+16.7pp | 76.5%+15.0pp | 67.2%+24.2pp |
| Annual return | 0.00% | 54.97%-55.0pp | 29.42%-29.4pp | 1368.38%-1368.4pp |
| Employer contribution / active EE | $2,124 | $2,362-10.1% | $3,023-29.8% | $2,625-19.1% |
| Participant deferral / active EE | $4,236 | $4,416-4.1% | $5,054-16.2% | $4,348-2.6% |
| Admin fee / account holder | $2,688 | $2,002+34.3% | $9,455-71.6% | $1,944+38.3% |