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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 | $51,638+9.0% | $68,368-17.7% | $82,448-31.7% |
| Participation rate | 100.0% | 63.6%+36.4pp | 73.8%+26.2pp | 68.1%+31.9pp |
| Annual return | 24.17% | 37.53%-13.4pp | 292.57%-268.4pp | 41.64%-17.5pp |
| Employer contribution / active EE | $3,703 | $2,047+80.9% | $2,649+39.8% | $2,551+45.1% |
| Participant deferral / active EE | $7,361 | $2,914+152.7% | $4,123+78.6% | $4,139+77.8% |
| Admin fee / account holder | $609 | $4,643-86.9% | $5,150-88.2% | $7,234-91.6% |