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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 | $128,160 | $89,370+43.4% | $141,197-9.2% | $72,976+75.6% |
| Participation rate | 98.8% | 75.1%+23.6pp | 82.5%+16.3pp | 69.5%+29.3pp |
| Annual return | 20.01% | 111.88%-91.9pp | 71.41%-51.4pp | 81.02%-61.0pp |
| Employer contribution / active EE | $5,668 | $3,115+81.9% | $4,736+19.7% | $2,440+132.3% |
| Participant deferral / active EE | $6,527 | $5,419+20.5% | $6,710-2.7% | $3,608+80.9% |
| Admin fee / account holder | $22,599 | $5,957+279.4% | $10,265+120.2% | $5,124+341.0% |