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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 | $31,791 | $63,114-49.6% | $92,915-65.8% | $65,186-51.2% |
| Participation rate | 76.1% | 68.8%+7.4pp | 76.0%+0.1pp | 70.2%+5.9pp |
| Annual return | 41.08% | 28.75%+12.3pp | 109.45%-68.4pp | 29.39%+11.7pp |
| Employer contribution / active EE | $2,521 | $2,571-1.9% | $3,653-31.0% | $2,177+15.8% |
| Participant deferral / active EE | $1,584 | $3,108-49.0% | $4,238-62.6% | $3,514-54.9% |
| Admin fee / account holder | $566 | $624-9.3% | $5,796-90.2% | $847-33.3% |