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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 | $14,882 | $54,162-72.5% | $68,612-78.3% | $64,173-76.8% |
| Participation rate | 98.5% | 68.1%+30.5pp | 72.2%+26.3pp | 69.6%+28.9pp |
| Annual return | -5.23% | -1.62%-3.6pp | -4.63%-0.6pp | 7.63%-12.9pp |
| Employer contribution / active EE | $3,417 | $1,846+85.1% | $2,625+30.2% | $2,381+43.5% |
| Participant deferral / active EE | $2,343 | $2,626-10.8% | $3,311-29.2% | $3,470-32.5% |
| Admin fee / account holder | $606 | $4,029-85.0% | $5,131-88.2% | $4,887-87.6% |