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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 | $9,976 | $55,902-82.2% | $76,030-86.9% | $80,959-87.7% |
| Participation rate | 91.7% | 62.1%+29.6pp | 69.1%+22.6pp | 67.7%+24.0pp |
| Annual return | 11.41% | 20.59%-9.2pp | 361.54%-350.1pp | 35.67%-24.3pp |
| Employer contribution / active EE | $1,859 | $1,867-0.4% | $2,688-30.8% | $2,757-32.6% |
| Participant deferral / active EE | $3,933 | $3,051+28.9% | $4,257-7.6% | $4,300-8.6% |
| Admin fee / account holder | $610 | $5,239-88.4% | $6,421-90.5% | $6,925-91.2% |