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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 | $33,533 | $62,672-46.5% | $185,117-81.9% | $70,126-52.2% |
| Participation rate | 100.0% | 63.8%+36.2pp | 77.3%+22.7pp | 69.5%+30.5pp |
| Annual return | 14.09% | 40.79%-26.7pp | 40.50%-26.4pp | 73.15%-59.1pp |
| Employer contribution / active EE | $0 | $1,753-100.0% | $4,182-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $3,266 | $3,272-0.2% | $5,045-35.3% | $3,332-2.0% |
| Admin fee / account holder | $1,246 | $3,932-68.3% | $8,159-84.7% | $4,645-73.2% |