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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 | $44,325 | $102,429-56.7% | $147,096-69.9% | $80,925-45.2% |
| Participation rate | 96.7% | 75.9%+20.9pp | 82.2%+14.6pp | 67.7%+29.1pp |
| Annual return | 20.79% | 135.02%-114.2pp | 419.75%-399.0pp | 35.65%-14.9pp |
| Employer contribution / active EE | $3,634 | $3,716-2.2% | $4,936-26.4% | $2,756+31.8% |
| Participant deferral / active EE | $8,570 | $6,649+28.9% | $8,071+6.2% | $4,299+99.4% |
| Admin fee / account holder | $2,327 | $7,957-70.8% | $13,005-82.1% | $6,940-66.5% |