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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 | $49,041 | $61,214-19.9% | $83,327-41.1% | $56,289-12.9% |
| Participation rate | 84.2% | 72.6%+11.6pp | 77.8%+6.4pp | 69.9%+14.4pp |
| Annual return | -5.64% | 0.42%-6.1pp | 10.64%-16.3pp | -9.96%+4.3pp |
| Employer contribution / active EE | $3,129 | $1,925+62.5% | $3,379-7.4% | $2,111+48.2% |
| Participant deferral / active EE | $5,961 | $5,091+17.1% | $5,565+7.1% | $3,350+78.0% |
| Admin fee / account holder | $605 | $512+18.3% | $7,540-92.0% | $521+16.2% |