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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 | $59,055 | $57,119+3.4% | $85,187-30.7% | $80,935-27.0% |
| Participation rate | 97.7% | 56.4%+41.3pp | 67.5%+30.2pp | 67.7%+30.0pp |
| Annual return | 11.99% | 21.70%-9.7pp | 66.67%-54.7pp | 35.66%-23.7pp |
| Employer contribution / active EE | $3,123 | $1,802+73.3% | $2,732+14.3% | $2,757+13.3% |
| Participant deferral / active EE | $5,894 | $3,115+89.2% | $4,525+30.3% | $4,299+37.1% |
| Admin fee / account holder | $391 | $4,990-92.2% | $6,162-93.7% | $6,924-94.4% |