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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 | $51,205 | $63,809-19.8% | $81,353-37.1% | $80,935-36.7% |
| Participation rate | 100.0% | 63.9%+36.1pp | 69.5%+30.5pp | 67.7%+32.3pp |
| Annual return | 12.08% | 16.37%-4.3pp | 24.82%-12.7pp | 35.66%-23.6pp |
| Employer contribution / active EE | $9,593 | $1,981+384.3% | $2,464+289.3% | $2,757+248.0% |
| Participant deferral / active EE | $7,137 | $3,093+130.8% | $3,885+83.7% | $4,299+66.0% |
| Admin fee / account holder | $632 | $5,686-88.9% | $5,766-89.0% | $6,924-90.9% |