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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 | $102,382-72.3% | $147,005-80.7% | $80,874-64.9% |
| Participation rate | 83.8% | 75.8%+8.0pp | 82.2%+1.7pp | 67.6%+16.2pp |
| Annual return | 30.29% | 134.89%-104.6pp | 418.76%-388.5pp | 35.62%-5.3pp |
| Employer contribution / active EE | $7,292 | $3,715+96.3% | $4,934+47.8% | $2,756+164.6% |
| Participant deferral / active EE | $10,563 | $6,646+58.9% | $8,070+30.9% | $4,297+145.8% |
| Admin fee / account holder | $1,524 | $7,942-80.8% | $13,006-88.3% | $6,935-78.0% |