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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 | $45,377 | $59,006-23.1% | $97,295-53.4% | $74,478-39.1% |
| Participation rate | 100.0% | 63.7%+36.3pp | 72.7%+27.3pp | 67.2%+32.8pp |
| Annual return | 250.04% | 16.04%+234.0pp | 75.62%+174.4pp | 1370.56%-1120.5pp |
| Employer contribution / active EE | $2,645 | $1,894+39.7% | $2,723-2.8% | $2,626+0.7% |
| Participant deferral / active EE | $3,865 | $3,671+5.3% | $4,264-9.3% | $4,350-11.2% |
| Admin fee / account holder | $9,321 | $1,974+372.2% | $5,646+65.1% | $1,946+379.0% |