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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 | $40,396 | $48,570-16.8% | $130,660-69.1% | $72,976-44.6% |
| Participation rate | 84.5% | 58.6%+25.9pp | 71.7%+12.8pp | 69.5%+15.0pp |
| Annual return | 20.15% | 38.63%-18.5pp | 1709.29%-1689.1pp | 81.02%-60.9pp |
| Employer contribution / active EE | $1,703 | $1,334+27.7% | $4,092-58.4% | $2,440-30.2% |
| Participant deferral / active EE | $2,187 | $2,384-8.3% | $3,603-39.3% | $3,608-39.4% |
| Admin fee / account holder | $1,096 | $3,549-69.1% | $5,463-79.9% | $5,124-78.6% |