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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 | $24,099 | $51,638-53.3% | $68,368-64.8% | $82,448-70.8% |
| Participation rate | 94.2% | 63.6%+30.6pp | 73.8%+20.5pp | 68.1%+26.2pp |
| Annual return | 15.40% | 37.53%-22.1pp | 292.57%-277.2pp | 41.64%-26.2pp |
| Employer contribution / active EE | $4,503 | $2,047+120.1% | $2,649+70.0% | $2,551+76.5% |
| Participant deferral / active EE | $2,129 | $2,914-26.9% | $4,123-48.4% | $4,139-48.6% |
| Admin fee / account holder | $3,614 | $4,643-22.2% | $5,150-29.8% | $7,234-50.0% |