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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 | $27,089 | $102,422-73.6% | $147,117-81.6% | $80,959-66.5% |
| Participation rate | 94.4% | 75.9%+18.5pp | 82.2%+12.2pp | 67.7%+26.7pp |
| Annual return | 34.39% | 135.16%-100.8pp | 420.54%-386.1pp | 35.67%-1.3pp |
| Employer contribution / active EE | $2,030 | $3,717-45.4% | $4,932-58.8% | $2,757-26.4% |
| Participant deferral / active EE | $3,746 | $6,652-43.7% | $8,065-53.6% | $4,300-12.9% |
| Admin fee / account holder | $1,459 | $7,953-81.7% | $12,993-88.8% | $6,925-78.9% |