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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 | $137,330 | $88,360+55.4% | $145,433-5.6% | $67,986+102.0% |
| Participation rate | 92.1% | 65.5%+26.6pp | 82.1%+10.0pp | 57.2%+34.9pp |
| Annual return | 18.55% | 63.15%-44.6pp | 66.58%-48.0pp | 31.67%-13.1pp |
| Employer contribution / active EE | $8,060 | $3,054+163.9% | $4,554+77.0% | $2,019+299.3% |
| Participant deferral / active EE | $10,849 | $5,932+82.9% | $7,897+37.4% | $3,358+223.1% |
| Admin fee / account holder | $578 | $3,313-82.5% | $13,129-95.6% | $3,203-81.9% |