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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 | $43,939 | $57,312-23.3% | $86,617-49.3% | $75,181-41.6% |
| Participation rate | 98.8% | 63.2%+35.6pp | 71.7%+27.1pp | 67.2%+31.6pp |
| Annual return | 16.39% | 2672.78%-2656.4pp | 591.91%-575.5pp | 160.69%-144.3pp |
| Employer contribution / active EE | $1,109 | $2,315-52.1% | $3,023-63.3% | $2,671-58.5% |
| Participant deferral / active EE | $2,552 | $3,319-23.1% | $4,437-42.5% | $4,126-38.1% |
| Admin fee / account holder | $1,409 | $4,114-65.8% | $5,613-74.9% | $5,650-75.1% |