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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 | $27,444 | $60,128-54.4% | $90,440-69.7% | $79,852-65.6% |
| Participation rate | 100.0% | 65.0%+35.0pp | 72.7%+27.3pp | 69.6%+30.4pp |
| Annual return | 18.94% | 71.95%-53.0pp | 1294.38%-1275.4pp | 31.72%-12.8pp |
| Employer contribution / active EE | $4,806 | $2,068+132.3% | $3,263+47.3% | $2,471+94.5% |
| Participant deferral / active EE | $5,385 | $2,939+83.2% | $3,964+35.9% | $3,740+44.0% |
| Admin fee / account holder | $475 | $3,977-88.0% | $5,615-91.5% | $5,306-91.0% |