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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 | $28,373 | $102,429-72.3% | $147,096-80.7% | $80,925-64.9% |
| Participation rate | 83.8% | 75.9%+8.0pp | 82.2%+1.6pp | 67.7%+16.2pp |
| Annual return | 30.29% | 135.02%-104.7pp | 419.75%-389.5pp | 35.65%-5.4pp |
| Employer contribution / active EE | $7,292 | $3,716+96.3% | $4,936+47.7% | $2,756+164.6% |
| Participant deferral / active EE | $10,563 | $6,649+58.9% | $8,071+30.9% | $4,299+145.7% |
| Admin fee / account holder | $1,524 | $7,957-80.9% | $13,005-88.3% | $6,940-78.0% |