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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 | $32,756 | $75,962-56.9% | $154,108-78.7% | $64,173-49.0% |
| Participation rate | 100.0% | 70.4%+29.6pp | 83.0%+17.0pp | 69.6%+30.4pp |
| Annual return | -1.73% | 30.32%-32.0pp | 735.21%-736.9pp | 7.63%-9.4pp |
| Employer contribution / active EE | $7,129 | $3,350+112.8% | $5,298+34.6% | $2,381+199.4% |
| Participant deferral / active EE | $4,653 | $3,175+46.6% | $5,081-8.4% | $3,470+34.1% |
| Admin fee / account holder | $1,991 | $5,589-64.4% | $13,411-85.2% | $4,887-59.3% |