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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 | $102,382-51.7% | $147,005-66.3% | $80,874-38.8% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.2%+17.8pp | 67.6%+32.4pp |
| Annual return | 24.03% | 134.89%-110.9pp | 418.76%-394.7pp | 35.62%-11.6pp |
| Employer contribution / active EE | $5,047 | $3,715+35.9% | $4,934+2.3% | $2,756+83.2% |
| Participant deferral / active EE | $2,902 | $6,646-56.3% | $8,070-64.0% | $4,297-32.5% |
| Admin fee / account holder | $2,543 | $7,942-68.0% | $13,006-80.4% | $6,935-63.3% |