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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 | $1,702 | $23,330-92.7% | $64,489-97.4% | $82,448-97.9% |
| Participation rate | 76.8% | 68.3%+8.5pp | 67.7%+9.1pp | 68.1%+8.7pp |
| Annual return | 15.26% | 83.66%-68.4pp | 55.03%-39.8pp | 41.64%-26.4pp |
| Employer contribution / active EE | $580 | $824-29.6% | $1,523-61.9% | $2,551-77.3% |
| Participant deferral / active EE | $1,546 | $1,707-9.4% | $2,778-44.3% | $4,139-62.6% |
| Admin fee / account holder | $850 | $2,946-71.1% | $4,260-80.0% | $7,234-88.2% |