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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 | $86,940-43.3% | $102,434-51.8% | $80,935-39.0% |
| Participation rate | 85.4% | 72.4%+13.0pp | 76.5%+8.9pp | 67.7%+17.7pp |
| Annual return | 12.71% | 18.89%-6.2pp | 29.46%-16.7pp | 35.66%-22.9pp |
| Employer contribution / active EE | $2,554 | $2,370+7.8% | $3,023-15.5% | $2,757-7.4% |
| Participant deferral / active EE | $4,852 | $4,121+17.7% | $5,055-4.0% | $4,299+12.9% |
| Admin fee / account holder | $2,746 | $8,047-65.9% | $9,462-71.0% | $6,924-60.3% |