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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 | $59,708 | $55,472+7.6% | $155,567-61.6% | $74,546-19.9% |
| Participation rate | 99.2% | 61.9%+37.3pp | 78.2%+21.0pp | 67.2%+31.9pp |
| Annual return | 210.17% | 268.72%-58.5pp | 64.74%+145.4pp | 1366.03%-1155.9pp |
| Employer contribution / active EE | $3,746 | $2,269+65.1% | $4,674-19.9% | $2,624+42.7% |
| Participant deferral / active EE | $2,148 | $2,838-24.3% | $5,628-61.8% | $4,347-50.6% |
| Admin fee / account holder | $722 | $1,743-58.5% | $15,916-95.5% | $1,944-62.8% |