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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 | $102,422-72.3% | $147,117-80.7% | $80,959-65.0% |
| Participation rate | 83.8% | 75.9%+8.0pp | 82.2%+1.6pp | 67.7%+16.2pp |
| Annual return | 30.29% | 135.16%-104.9pp | 420.54%-390.3pp | 35.67%-5.4pp |
| Employer contribution / active EE | $7,292 | $3,717+96.2% | $4,932+47.8% | $2,757+164.5% |
| Participant deferral / active EE | $10,563 | $6,652+58.8% | $8,065+31.0% | $4,300+145.6% |
| Admin fee / account holder | $1,524 | $7,953-80.8% | $12,993-88.3% | $6,925-78.0% |