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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 | $2,408 | $25,014-90.4% | $69,623-96.5% | $80,935-97.0% |
| Participation rate | 78.8% | 64.2%+14.6pp | 66.4%+12.4pp | 67.7%+11.1pp |
| Annual return | 16.38% | 19.08%-2.7pp | 101.23%-84.9pp | 35.66%-19.3pp |
| Employer contribution / active EE | $1,000 | $991+0.9% | $1,709-41.5% | $2,757-63.7% |
| Participant deferral / active EE | $1,102 | $1,840-40.1% | $2,890-61.9% | $4,299-74.4% |
| Admin fee / account holder | $633 | $2,491-74.6% | $4,696-86.5% | $6,924-90.9% |