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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 | $17,316 | $57,073-69.7% | $85,126-79.7% | $80,925-78.6% |
| Participation rate | 100.0% | 56.4%+43.6pp | 67.5%+32.5pp | 67.7%+32.3pp |
| Annual return | 12.35% | 21.69%-9.3pp | 66.63%-54.3pp | 35.65%-23.3pp |
| Employer contribution / active EE | $2,502 | $1,801+39.0% | $2,731-8.4% | $2,756-9.2% |
| Participant deferral / active EE | $1,835 | $3,113-41.1% | $4,523-59.4% | $4,299-57.3% |
| Admin fee / account holder | $2,507 | $4,988-49.7% | $6,160-59.3% | $6,940-63.9% |