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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 | $56,663 | $104,479-45.8% | $159,474-64.5% | $79,391-28.6% |
| Participation rate | 76.0% | 76.6%-0.6pp | 82.8%-6.8pp | 70.7%+5.3pp |
| Annual return | 20.15% | 67.98%-47.8pp | 263.68%-243.5pp | 116.88%-96.7pp |
| Employer contribution / active EE | $2,053 | $3,417-39.9% | $4,831-57.5% | $2,428-15.4% |
| Participant deferral / active EE | $5,396 | $6,468-16.6% | $7,353-26.6% | $4,046+33.4% |
| Admin fee / account holder | $1,198 | $711+68.4% | $10,802-88.9% | $627+91.2% |