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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 | $57,298 | $51,207+11.9% | $70,565-18.8% | $75,177-23.8% |
| Participation rate | 98.7% | 61.0%+37.7pp | 68.4%+30.4pp | 67.2%+31.5pp |
| Annual return | 25.09% | 30.05%-5.0pp | 32.79%-7.7pp | 160.75%-135.7pp |
| Employer contribution / active EE | $3,686 | $1,826+101.8% | $2,976+23.9% | $2,671+38.0% |
| Participant deferral / active EE | $4,506 | $2,850+58.1% | $4,568-1.4% | $4,126+9.2% |
| Admin fee / account holder | $604 | $4,097-85.3% | $6,430-90.6% | $5,651-89.3% |