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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 | $58,083 | $51,631+12.5% | $129,397-55.1% | $80,925-28.2% |
| Participation rate | 100.0% | 56.9%+43.1pp | 69.6%+30.4pp | 67.7%+32.3pp |
| Annual return | 16.11% | 20.77%-4.7pp | 9453.98%-9437.9pp | 35.65%-19.5pp |
| Employer contribution / active EE | $1,354 | $1,583-14.4% | $4,154-67.4% | $2,756-50.9% |
| Participant deferral / active EE | $5,819 | $2,670+117.9% | $4,167+39.6% | $4,299+35.4% |
| Admin fee / account holder | $2,199 | $4,309-49.0% | $7,679-71.4% | $6,940-68.3% |