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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $30,247 | $45,872-34.1% | $77,096-60.8% | $68,486-55.8% |
| Participation rate | 85.5% | 55.9%+29.6pp | 67.9%+17.6pp | 67.9%+17.6pp |
| Annual return | -21.96% | 1.73%-23.7pp | 42.35%-64.3pp | -7.85%-14.1pp |
| Employer contribution / active EE | $2,410 | $1,650+46.1% | $2,814-14.4% | $2,597-7.2% |
| Participant deferral / active EE | $5,948 | $2,963+100.8% | $4,429+34.3% | $4,028+47.7% |
| Admin fee / account holder | $3,221 | $3,041+5.9% | $5,428-40.7% | $5,404-40.4% |