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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 | $35,591 | $54,717-35.0% | $86,209-58.7% | $71,495-50.2% |
| Participation rate | 77.9% | 60.1%+17.8pp | 69.0%+8.9pp | 67.9%+9.9pp |
| Annual return | 17.69% | 20.07%-2.4pp | 1169.05%-1151.4pp | 28.85%-11.2pp |
| Employer contribution / active EE | $1,734 | $1,267+36.8% | $2,381-27.2% | $2,589-33.1% |
| Participant deferral / active EE | $3,627 | $3,110+16.6% | $3,986-9.0% | $4,291-15.5% |
| Admin fee / account holder | $12,937 | $1,922+573.1% | $6,853+88.8% | $1,588+714.8% |