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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 | $53,306 | $89,652-40.5% | $141,197-62.2% | $65,186-18.2% |
| Participation rate | 92.8% | 74.7%+18.1pp | 82.5%+10.3pp | 70.2%+22.6pp |
| Annual return | 75.23% | 32.79%+42.4pp | 71.41%+3.8pp | 29.39%+45.8pp |
| Employer contribution / active EE | $2,829 | $3,065-7.7% | $4,736-40.3% | $2,177+30.0% |
| Participant deferral / active EE | $6,391 | $5,691+12.3% | $6,710-4.8% | $3,514+81.9% |
| Admin fee / account holder | $671 | $569+17.9% | $10,265-93.5% | $847-20.9% |