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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 | $82,192 | $78,690+4.5% | $161,489-49.1% | $87,485-6.1% |
| Participation rate | 92.0% | 67.5%+24.5pp | 78.7%+13.3pp | 68.9%+23.1pp |
| Annual return | 17.10% | 32.74%-15.6pp | 89.72%-72.6pp | 26.06%-9.0pp |
| Employer contribution / active EE | $5,863 | $2,588+126.5% | $4,268+37.4% | $2,596+125.8% |
| Participant deferral / active EE | $5,944 | $3,311+79.5% | $5,630+5.6% | $4,274+39.1% |
| Admin fee / account holder | $1,217 | $6,724-81.9% | $16,006-92.4% | $7,775-84.3% |