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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 | $23,705 | $63,346-62.6% | $92,240-74.3% | $70,126-66.2% |
| Participation rate | 97.3% | 68.7%+28.6pp | 76.5%+20.8pp | 69.5%+27.7pp |
| Annual return | 14.26% | 530.19%-515.9pp | 176.29%-162.0pp | 73.15%-58.9pp |
| Employer contribution / active EE | $1,537 | $2,471-37.8% | $3,680-58.2% | $2,343-34.4% |
| Participant deferral / active EE | $1,750 | $2,854-38.7% | $3,897-55.1% | $3,332-47.5% |
| Admin fee / account holder | $1,972 | $3,841-48.7% | $5,194-62.0% | $4,645-57.6% |