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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 | $39,036 | $46,732-16.5% | $156,551-75.1% | $55,167-29.2% |
| Participation rate | 100.0% | 65.8%+34.2pp | 84.0%+16.0pp | 69.0%+31.0pp |
| Annual return | 15.22% | 17.72%-2.5pp | 32.23%-17.0pp | 169.23%-154.0pp |
| Employer contribution / active EE | $14,570 | $2,105+592.1% | $5,501+164.8% | $1,963+642.4% |
| Participant deferral / active EE | $7,907 | $2,204+258.7% | $4,871+62.3% | $3,054+158.9% |
| Admin fee / account holder | $1,430 | $418+241.8% | $13,028-89.0% | $504+183.8% |