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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 | $26,404 | $56,054-52.9% | $171,082-84.6% | $62,881-58.0% |
| Participation rate | 89.2% | 62.9%+26.3pp | 76.7%+12.5pp | 69.3%+19.9pp |
| Annual return | 10.49% | 22.52%-12.0pp | 32.56%-22.1pp | 20.14%-9.7pp |
| Employer contribution / active EE | $1,757 | $1,731+1.5% | $4,002-56.1% | $2,281-23.0% |
| Participant deferral / active EE | $5,099 | $3,158+61.5% | $4,797+6.3% | $3,203+59.2% |
| Admin fee / account holder | $2,054 | $3,647-43.7% | $8,520-75.9% | $4,296-52.2% |