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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 | $19,241 | $63,703-69.8% | $93,063-79.3% | $82,448-76.7% |
| Participation rate | 90.4% | 63.8%+26.5pp | 72.1%+18.2pp | 68.1%+22.3pp |
| Annual return | 24.50% | -775.43%+799.9pp | 34.15%-9.7pp | 41.64%-17.1pp |
| Employer contribution / active EE | $1,450 | $1,729-16.1% | $2,476-41.4% | $2,551-43.2% |
| Participant deferral / active EE | $2,637 | $2,919-9.7% | $3,958-33.4% | $4,139-36.3% |
| Admin fee / account holder | $405 | $5,982-93.2% | $6,033-93.3% | $7,234-94.4% |