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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 | $12,532 | $49,896-74.9% | $80,627-84.5% | $75,173-83.3% |
| Participation rate | 79.7% | 55.3%+24.4pp | 67.0%+12.7pp | 67.2%+12.5pp |
| Annual return | 22.34% | 34.67%-12.3pp | 936.76%-914.4pp | 160.72%-138.4pp |
| Employer contribution / active EE | $1,243 | $1,699-26.9% | $2,723-54.4% | $2,671-53.5% |
| Participant deferral / active EE | $2,937 | $2,992-1.8% | $4,443-33.9% | $4,126-28.8% |
| Admin fee / account holder | $1,751 | $3,578-51.1% | $5,381-67.5% | $5,651-69.0% |