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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 | $26,415 | $98,776-73.3% | $149,745-82.4% | $79,856-66.9% |
| Participation rate | 97.3% | 75.8%+21.5pp | 82.5%+14.9pp | 69.6%+27.7pp |
| Annual return | 36.30% | 27.38%+8.9pp | 276.72%-240.4pp | 31.71%+4.6pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,646-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $8,595 | $5,681+51.3% | $6,843+25.6% | $3,741+129.8% |
| Admin fee / account holder | $666 | $6,053-89.0% | $9,312-92.9% | $5,306-87.5% |