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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 | $59,890 | $67,894-11.8% | $89,340-33.0% | $82,448-27.4% |
| Participation rate | 100.0% | 64.0%+36.0pp | 69.6%+30.4pp | 68.1%+31.9pp |
| Annual return | 17.58% | 19.21%-1.6pp | 20.57%-3.0pp | 41.64%-24.1pp |
| Employer contribution / active EE | $2,931 | $1,828+60.4% | $2,231+31.4% | $2,551+14.9% |
| Participant deferral / active EE | $5,567 | $3,072+81.2% | $3,823+45.6% | $4,139+34.5% |
| Admin fee / account holder | $1,031 | $5,723-82.0% | $6,704-84.6% | $7,234-85.8% |