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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 | $37,044 | $81,358-54.5% | $155,556-76.2% | $80,959-54.2% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 15.10% | 33.39%-18.3pp | 64.84%-49.7pp | 35.67%-20.6pp |
| Employer contribution / active EE | $2,813 | $3,106-9.4% | $4,675-39.8% | $2,757+2.0% |
| Participant deferral / active EE | $3,325 | $3,455-3.8% | $5,631-40.9% | $4,300-22.7% |
| Admin fee / account holder | $9,251 | $7,994+15.7% | $15,885-41.8% | $6,925+33.6% |