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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 | $54,363 | $93,598-41.9% | $135,974-60.0% | $75,173-27.7% |
| Participation rate | 78.0% | 75.2%+2.8pp | 81.9%-3.9pp | 67.2%+10.8pp |
| Annual return | 40.55% | 30.89%+9.7pp | 68.30%-27.8pp | 160.72%-120.2pp |
| Employer contribution / active EE | $5,122 | $3,538+44.8% | $4,859+5.4% | $2,671+91.8% |
| Participant deferral / active EE | $9,339 | $6,405+45.8% | $7,760+20.3% | $4,126+126.3% |
| Admin fee / account holder | $4,698 | $6,978-32.7% | $10,767-56.4% | $5,651-16.9% |