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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 | $25,582 | $57,312-55.4% | $86,617-70.5% | $75,181-66.0% |
| Participation rate | 100.0% | 63.2%+36.8pp | 71.7%+28.3pp | 67.2%+32.8pp |
| Annual return | 25.06% | 2672.78%-2647.7pp | 591.91%-566.9pp | 160.69%-135.6pp |
| Employer contribution / active EE | $5,914 | $2,315+155.4% | $3,023+95.6% | $2,671+121.4% |
| Participant deferral / active EE | $3,856 | $3,319+16.2% | $4,437-13.1% | $4,126-6.5% |
| Admin fee / account holder | $913 | $4,114-77.8% | $5,613-83.7% | $5,650-83.8% |