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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 | $36,690 | $89,370-58.9% | $141,197-74.0% | $72,976-49.7% |
| Participation rate | 76.1% | 75.1%+1.0pp | 82.5%-6.4pp | 69.5%+6.6pp |
| Annual return | 21.95% | 111.88%-89.9pp | 71.41%-49.5pp | 81.02%-59.1pp |
| Employer contribution / active EE | $2,955 | $3,115-5.1% | $4,736-37.6% | $2,440+21.1% |
| Participant deferral / active EE | $3,241 | $5,419-40.2% | $6,710-51.7% | $3,608-10.2% |
| Admin fee / account holder | $487 | $5,957-91.8% | $10,265-95.3% | $5,124-90.5% |