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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 | $34,559 | $43,075-19.8% | $74,577-53.7% | $62,881-45.0% |
| Participation rate | 100.0% | 58.1%+41.9pp | 68.1%+31.9pp | 69.3%+30.7pp |
| Annual return | 8.34% | 17.50%-9.2pp | 20.47%-12.1pp | 20.14%-11.8pp |
| Employer contribution / active EE | $2,777 | $1,498+85.4% | $2,525+10.0% | $2,281+21.8% |
| Participant deferral / active EE | $3,104 | $2,389+29.9% | $3,458-10.2% | $3,203-3.1% |
| Admin fee / account holder | $2,635 | $2,840-7.2% | $4,138-36.3% | $4,296-38.7% |