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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 | $3,215 | $23,330-86.2% | $64,489-95.0% | $82,448-96.1% |
| Participation rate | 75.9% | 68.3%+7.7pp | 67.7%+8.3pp | 68.1%+7.9pp |
| Annual return | 18.19% | 83.66%-65.5pp | 55.03%-36.8pp | 41.64%-23.4pp |
| Employer contribution / active EE | $389 | $824-52.8% | $1,523-74.5% | $2,551-84.8% |
| Participant deferral / active EE | $964 | $1,707-43.5% | $2,778-65.3% | $4,139-76.7% |
| Admin fee / account holder | $415 | $2,946-85.9% | $4,260-90.3% | $7,234-94.3% |