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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 | $71,027 | $82,674-14.1% | $125,381-43.4% | $68,486+3.7% |
| Participation rate | 86.1% | 75.1%+11.1pp | 82.4%+3.7pp | 67.9%+18.2pp |
| Annual return | 165.37% | -5.97%+171.3pp | 572.31%-406.9pp | -7.85%+173.2pp |
| Employer contribution / active EE | $1,458 | $3,382-56.9% | $4,815-69.7% | $2,597-43.9% |
| Participant deferral / active EE | $4,725 | $6,111-22.7% | $7,448-36.6% | $4,028+17.3% |
| Admin fee / account holder | $2,556 | $6,277-59.3% | $10,007-74.5% | $5,404-52.7% |