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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 | $78,894 | $70,486+11.9% | $100,528-21.5% | $79,852-1.2% |
| Participation rate | 97.9% | 73.6%+24.2pp | 79.4%+18.5pp | 69.6%+28.2pp |
| Annual return | 21.90% | 21.90%0pp | 30.90%-9.0pp | 31.72%-9.8pp |
| Employer contribution / active EE | $4,457 | $2,165+105.9% | $3,419+30.4% | $2,471+80.4% |
| Participant deferral / active EE | $5,474 | $5,182+5.6% | $6,271-12.7% | $3,740+46.3% |
| Admin fee / account holder | $1,081 | $4,480-75.9% | $8,084-86.6% | $5,306-79.6% |