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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 | $36,226 | $71,192-49.1% | $117,861-69.3% | $62,293-41.8% |
| Participation rate | 85.6% | 74.2%+11.4pp | 79.7%+5.9pp | 69.5%+16.1pp |
| Annual return | 21.69% | 18.66%+3.0pp | 335.11%-313.4pp | 28.90%-7.2pp |
| Employer contribution / active EE | $1,707 | $1,934-11.7% | $3,786-54.9% | $2,042-16.4% |
| Participant deferral / active EE | $3,581 | $3,189+12.3% | $4,482-20.1% | $3,169+13.0% |
| Admin fee / account holder | $1,546 | $587+163.2% | $8,021-80.7% | $479+222.5% |