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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 | $35,571 | $73,863-51.8% | $143,797-75.3% | $68,490-48.1% |
| Participation rate | 100.0% | 66.7%+33.3pp | 80.3%+19.7pp | 67.9%+32.1pp |
| Annual return | -12.00% | 0.91%-12.9pp | -0.04%-12.0pp | -7.85%-4.2pp |
| Employer contribution / active EE | $2,309 | $3,185-27.5% | $4,952-53.4% | $2,597-11.1% |
| Participant deferral / active EE | $2,032 | $3,385-40.0% | $5,638-64.0% | $4,028-49.5% |
| Admin fee / account holder | $2,378 | $5,756-58.7% | $14,679-83.8% | $5,403-56.0% |