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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 | $24,082 | $48,327-50.2% | $67,575-64.4% | $80,935-70.2% |
| Participation rate | 74.1% | 66.4%+7.7pp | 72.9%+1.2pp | 67.7%+6.5pp |
| Annual return | 15.45% | 18.31%-2.9pp | 3528.98%-3513.5pp | 35.66%-20.2pp |
| Employer contribution / active EE | $4,927 | $2,022+143.6% | $2,736+80.1% | $2,757+78.7% |
| Participant deferral / active EE | $4,220 | $2,927+44.2% | $4,003+5.4% | $4,299-1.8% |
| Admin fee / account holder | $348 | $3,692-90.6% | $3,993-91.3% | $6,924-95.0% |