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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 | $41,346 | $63,365-34.7% | $91,994-55.1% | $72,976-43.3% |
| Participation rate | 100.0% | 72.5%+27.5pp | 78.6%+21.4pp | 69.5%+30.5pp |
| Annual return | 26.70% | 35.35%-8.6pp | 69.04%-42.3pp | 81.02%-54.3pp |
| Employer contribution / active EE | $6,512 | $2,116+207.8% | $3,453+88.6% | $2,440+166.9% |
| Participant deferral / active EE | $4,038 | $4,883-17.3% | $5,924-31.8% | $3,608+11.9% |
| Admin fee / account holder | $2,462 | $4,670-47.3% | $7,744-68.2% | $5,124-52.0% |