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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 | $35,209 | $78,423-55.1% | $95,964-63.3% | $79,856-55.9% |
| Participation rate | 84.3% | 73.5%+10.8pp | 77.1%+7.2pp | 69.6%+14.7pp |
| Annual return | 16.64% | 19.37%-2.7pp | 91.64%-75.0pp | 31.71%-15.1pp |
| Employer contribution / active EE | $16,716 | $1,945+759.3% | $2,541+557.8% | $2,471+576.4% |
| Participant deferral / active EE | $5,340 | $3,440+55.2% | $4,167+28.2% | $3,741+42.8% |
| Admin fee / account holder | $691 | $5,622-87.7% | $6,797-89.8% | $5,306-87.0% |