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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 | $56,271 | $61,125-7.9% | $94,057-40.2% | $87,485-35.7% |
| Participation rate | 100.0% | 64.1%+35.9pp | 73.3%+26.7pp | 68.9%+31.1pp |
| Annual return | 24.17% | 35.20%-11.0pp | 480.62%-456.5pp | 26.06%-1.9pp |
| Employer contribution / active EE | $3,703 | $2,136+73.3% | $2,933+26.2% | $2,596+42.6% |
| Participant deferral / active EE | $7,361 | $3,260+125.8% | $4,709+56.3% | $4,274+72.3% |
| Admin fee / account holder | $609 | $5,629-89.2% | $7,244-91.6% | $7,775-92.2% |