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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 | $17,261 | $58,234-70.4% | $81,783-78.9% | $80,874-78.7% |
| Participation rate | 79.5% | 63.4%+16.0pp | 72.4%+7.1pp | 67.6%+11.8pp |
| Annual return | 12.92% | 41.70%-28.8pp | 775.05%-762.1pp | 35.62%-22.7pp |
| Employer contribution / active EE | $1,237 | $2,341-47.2% | $2,913-57.5% | $2,756-55.1% |
| Participant deferral / active EE | $1,556 | $3,283-52.6% | $4,320-64.0% | $4,297-63.8% |
| Admin fee / account holder | $2,894 | $4,982-41.9% | $7,380-60.8% | $6,935-58.3% |