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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 | $35,064 | $78,423-55.3% | $95,964-63.5% | $79,856-56.1% |
| Participation rate | 100.0% | 73.5%+26.5pp | 77.1%+22.9pp | 69.6%+30.4pp |
| Annual return | 11.42% | 19.37%-8.0pp | 91.64%-80.2pp | 31.71%-20.3pp |
| Employer contribution / active EE | $2,326 | $1,945+19.5% | $2,541-8.5% | $2,471-5.9% |
| Participant deferral / active EE | $2,137 | $3,440-37.9% | $4,167-48.7% | $3,741-42.9% |
| Admin fee / account holder | $557 | $5,622-90.1% | $6,797-91.8% | $5,306-89.5% |