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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 | $41,582 | $100,060-58.4% | $149,721-72.2% | $70,126-40.7% |
| Participation rate | 98.7% | 83.6%+15.1pp | 87.1%+11.7pp | 69.5%+29.2pp |
| Annual return | 19.19% | 27.46%-8.3pp | 1501.67%-1482.5pp | 73.15%-54.0pp |
| Employer contribution / active EE | $1,907 | $3,661-47.9% | $5,444-65.0% | $2,343-18.6% |
| Participant deferral / active EE | $3,876 | $4,982-22.2% | $6,568-41.0% | $3,332+16.3% |
| Admin fee / account holder | $2,475 | $8,285-70.1% | $11,282-78.1% | $4,645-46.7% |