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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 | $51,961 | $104,479-50.3% | $159,474-67.4% | $79,391-34.6% |
| Participation rate | 83.6% | 76.6%+6.9pp | 82.8%+0.7pp | 70.7%+12.9pp |
| Annual return | 46.14% | 67.98%-21.8pp | 263.68%-217.5pp | 116.88%-70.7pp |
| Employer contribution / active EE | $3,565 | $3,417+4.3% | $4,831-26.2% | $2,428+46.8% |
| Participant deferral / active EE | $8,097 | $6,468+25.2% | $7,353+10.1% | $4,046+100.1% |
| Admin fee / account holder | $1,984 | $711+179.0% | $10,802-81.6% | $627+216.7% |