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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 | $120,999 | $101,763+18.9% | $164,866-26.6% | $80,874+49.6% |
| Participation rate | 98.8% | 71.8%+26.9pp | 78.6%+20.2pp | 67.6%+31.1pp |
| Annual return | 10.68% | 16.73%-6.0pp | 69.97%-59.3pp | 35.62%-24.9pp |
| Employer contribution / active EE | $7,306 | $2,954+147.3% | $4,343+68.2% | $2,756+165.1% |
| Participant deferral / active EE | $7,188 | $4,477+60.6% | $6,033+19.2% | $4,297+67.3% |
| Admin fee / account holder | $18,633 | $8,228+126.5% | $12,689+46.8% | $6,935+168.7% |