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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 | $26,187 | $81,487-67.9% | $102,412-74.4% | $80,935-67.6% |
| Participation rate | 84.2% | 66.8%+17.4pp | 74.5%+9.7pp | 67.7%+16.5pp |
| Annual return | 16.18% | 25.60%-9.4pp | 24.94%-8.8pp | 35.66%-19.5pp |
| Employer contribution / active EE | $2,633 | $3,103-15.2% | $3,870-32.0% | $2,757-4.5% |
| Participant deferral / active EE | $5,161 | $3,871+33.3% | $5,060+2.0% | $4,299+20.0% |
| Admin fee / account holder | $4,811 | $6,717-28.4% | $8,388-42.6% | $6,924-30.5% |