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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 | $31,518 | $76,551-58.8% | $123,894-74.6% | $62,881-49.9% |
| Participation rate | 100.0% | 73.0%+27.0pp | 81.4%+18.6pp | 69.3%+30.7pp |
| Annual return | 7.91% | 18.68%-10.8pp | 47.52%-39.6pp | 20.14%-12.2pp |
| Employer contribution / active EE | $3,169 | $2,882+9.9% | $4,617-31.4% | $2,281+38.9% |
| Participant deferral / active EE | $5,163 | $4,840+6.7% | $5,984-13.7% | $3,203+61.2% |
| Admin fee / account holder | $1,250 | $4,826-74.1% | $8,357-85.0% | $4,296-70.9% |