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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 | $22,171 | $51,642-57.1% | $129,384-82.9% | $80,935-72.6% |
| Participation rate | 95.1% | 56.9%+38.2pp | 69.6%+25.5pp | 67.7%+27.5pp |
| Annual return | 13.25% | 20.78%-7.5pp | 9461.77%-9448.5pp | 35.66%-22.4pp |
| Employer contribution / active EE | $4,855 | $1,583+206.7% | $4,153+16.9% | $2,757+76.1% |
| Participant deferral / active EE | $3,372 | $2,670+26.3% | $4,166-19.1% | $4,299-21.6% |
| Admin fee / account holder | $741 | $4,312-82.8% | $7,686-90.4% | $6,924-89.3% |