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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 | $49,334 | $86,919-43.2% | $102,457-51.8% | $80,911-39.0% |
| Participation rate | 85.4% | 72.4%+13.0pp | 76.5%+8.9pp | 67.6%+17.7pp |
| Annual return | 12.71% | 18.90%-6.2pp | 29.41%-16.7pp | 35.63%-22.9pp |
| Employer contribution / active EE | $2,554 | $2,368+7.8% | $3,022-15.5% | $2,756-7.3% |
| Participant deferral / active EE | $4,852 | $4,119+17.8% | $5,054-4.0% | $4,297+12.9% |
| Admin fee / account holder | $2,746 | $8,049-65.9% | $9,451-70.9% | $6,935-60.4% |