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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 | $29,266 | $46,332-36.8% | $143,799-79.6% | $64,819-54.8% |
| Participation rate | 84.1% | 64.2%+19.9pp | 80.3%+3.8pp | 71.5%+12.7pp |
| Annual return | 567.46% | -10.05%+577.5pp | -0.04%+567.5pp | 32.84%+534.6pp |
| Employer contribution / active EE | $561 | $1,911-70.7% | $4,952-88.7% | $2,507-77.6% |
| Participant deferral / active EE | $2,856 | $2,647+7.9% | $5,638-49.3% | $4,311-33.7% |
| Admin fee / account holder | $3,764 | $154+2346.3% | $14,677-74.4% | $188+1903.9% |