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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 | $30,679 | $105,198-70.8% | $159,455-80.8% | $85,856-64.3% |
| Participation rate | 91.1% | 75.8%+15.3pp | 82.8%+8.3pp | 69.3%+21.8pp |
| Annual return | 34.11% | 45.08%-11.0pp | 263.63%-229.5pp | 318.58%-284.5pp |
| Employer contribution / active EE | $7,362 | $3,319+121.8% | $4,830+52.4% | $2,565+187.0% |
| Participant deferral / active EE | $5,826 | $5,946-2.0% | $7,353-20.8% | $3,952+47.4% |
| Admin fee / account holder | $1,799 | $6,934-74.1% | $10,800-83.3% | $6,261-71.3% |