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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 | $33,112 | $105,200-68.5% | $159,474-79.2% | $85,847-61.4% |
| Participation rate | 95.8% | 75.8%+20.1pp | 82.8%+13.0pp | 69.3%+26.5pp |
| Annual return | 19.22% | 45.08%-25.9pp | 263.68%-244.5pp | 318.61%-299.4pp |
| Employer contribution / active EE | $2,529 | $3,319-23.8% | $4,831-47.7% | $2,565-1.4% |
| Participant deferral / active EE | $5,796 | $5,946-2.5% | $7,353-21.2% | $3,952+46.7% |
| Admin fee / account holder | $1,574 | $6,934-77.3% | $10,802-85.4% | $6,261-74.9% |