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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 | $21,906 | $64,176-65.9% | $112,263-80.5% | $66,949-67.3% |
| Participation rate | 100.0% | 68.4%+31.6pp | 75.1%+24.9pp | 69.8%+30.2pp |
| Annual return | -16.27% | -13.80%-2.5pp | 27.49%-43.8pp | 1.57%-17.8pp |
| Employer contribution / active EE | $5,767 | $3,007+91.8% | $3,636+58.6% | $2,545+126.6% |
| Participant deferral / active EE | $3,694 | $3,6940% | $4,729-21.9% | $4,239-12.9% |
| Admin fee / account holder | $745 | $626+19.0% | $6,410-88.4% | $594+25.5% |