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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 | $27,637 | $88,360-68.7% | $145,433-81.0% | $67,986-59.3% |
| Participation rate | 86.1% | 65.5%+20.6pp | 82.1%+4.0pp | 57.2%+28.9pp |
| Annual return | 247.70% | 63.15%+184.6pp | 66.58%+181.1pp | 31.67%+216.0pp |
| Employer contribution / active EE | $3,843 | $3,054+25.9% | $4,554-15.6% | $2,019+90.4% |
| Participant deferral / active EE | $9,243 | $5,932+55.8% | $7,897+17.0% | $3,358+175.3% |
| Admin fee / account holder | $382 | $3,313-88.5% | $13,129-97.1% | $3,203-88.1% |