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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 | $49,500 | $80,763-38.7% | $102,412-51.7% | $74,459-33.5% |
| Participation rate | 83.2% | 65.7%+17.5pp | 74.5%+8.7pp | 67.2%+16.0pp |
| Annual return | 16.62% | 27.57%-11.0pp | 24.94%-8.3pp | 1369.70%-1353.1pp |
| Employer contribution / active EE | $4,770 | $3,160+51.0% | $3,870+23.3% | $2,626+81.7% |
| Participant deferral / active EE | $4,613 | $3,862+19.5% | $5,060-8.8% | $4,350+6.1% |
| Admin fee / account holder | $6,439 | $2,371+171.5% | $8,388-23.2% | $1,945+231.1% |