Filed February 26, 2019
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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $46,736 | $85,766-45.5% | $136,298-65.7% | $70,126-33.4% |
| Participation rate | 97.4% | 74.2%+23.3pp | 81.9%+15.5pp | 69.5%+27.9pp |
| Annual return | -27.72% | 31.46%-59.2pp | 5156.27%-5184.0pp | 73.15%-100.9pp |
| Employer contribution / active EE | $19,759 | $2,966+566.2% | $4,696+320.8% | $2,343+743.5% |
| Participant deferral / active EE | $0 | $5,051-100.0% | $6,247-100.0% | $3,332-100.0% |
| Admin fee / account holder | $2,106 | $5,421-61.2% | $9,244-77.2% | $4,645-54.7% |