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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 | $49,476 | $102,422-51.7% | $147,117-66.4% | $80,959-38.9% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 24.03% | 135.16%-111.1pp | 420.54%-396.5pp | 35.67%-11.6pp |
| Employer contribution / active EE | $5,047 | $3,717+35.8% | $4,932+2.3% | $2,757+83.1% |
| Participant deferral / active EE | $2,902 | $6,652-56.4% | $8,065-64.0% | $4,300-32.5% |
| Admin fee / account holder | $2,543 | $7,953-68.0% | $12,993-80.4% | $6,925-63.3% |