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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 | $53,168 | $85,766-38.0% | $136,297-61.0% | $70,124-24.2% |
| Participation rate | 98.6% | 74.2%+24.4pp | 81.9%+16.7pp | 69.5%+29.0pp |
| Annual return | 20.79% | 31.45%-10.7pp | 5156.19%-5135.4pp | 73.14%-52.4pp |
| Employer contribution / active EE | $4,290 | $2,966+44.6% | $4,696-8.6% | $2,342+83.1% |
| Participant deferral / active EE | $6,695 | $5,051+32.5% | $6,247+7.2% | $3,332+100.9% |
| Admin fee / account holder | $1,664 | $5,420-69.3% | $9,244-82.0% | $4,645-64.2% |