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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 | $14,983 | $29,716-49.6% | $56,077-73.3% | $80,925-81.5% |
| Participation rate | 92.2% | 41.7%+50.5pp | 52.5%+39.7pp | 67.7%+24.6pp |
| Annual return | 17.93% | 35.30%-17.4pp | 1709.28%-1691.3pp | 35.65%-17.7pp |
| Employer contribution / active EE | $2,806 | $671+318.1% | $1,040+169.7% | $2,756+1.8% |
| Participant deferral / active EE | $1,458 | $1,228+18.7% | $1,954-25.4% | $4,299-66.1% |
| Admin fee / account holder | $882 | $2,432-63.7% | $2,825-68.8% | $6,940-87.3% |