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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 | $203,689 | $108,825+87.2% | $156,181+30.4% | $82,448+147.1% |
| Participation rate | 100.0% | 72.4%+27.6pp | 78.8%+21.2pp | 68.1%+31.9pp |
| Annual return | 14.45% | 20.59%-6.1pp | 64.87%-50.4pp | 41.64%-27.2pp |
| Employer contribution / active EE | $4,400 | $2,870+53.3% | $4,294+2.5% | $2,551+72.5% |
| Participant deferral / active EE | $8,639 | $4,577+88.7% | $6,132+40.9% | $4,139+108.7% |
| Admin fee / account holder | $20,826 | $9,341+123.0% | $14,586+42.8% | $7,234+187.9% |