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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 | $10,038 | $19,646-48.9% | $71,585-86.0% | $64,097-84.3% |
| Participation rate | 88.5% | 64.7%+23.8pp | 68.2%+20.3pp | 55.2%+33.3pp |
| Annual return | 19.17% | 36.81%-17.6pp | 59.26%-40.1pp | 34.64%-15.5pp |
| Employer contribution / active EE | $780 | $713+9.4% | $1,669-53.2% | $1,891-58.7% |
| Participant deferral / active EE | $1,443 | $1,665-13.3% | $2,923-50.6% | $3,080-53.1% |
| Admin fee / account holder | $1,568 | $1,850-15.2% | $4,712-66.7% | $3,454-54.6% |