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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 | $64,056 | $81,446-21.4% | $103,374-38.0% | $80,874-20.8% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.6%+32.4pp |
| Annual return | 12.76% | 25.57%-12.8pp | 24.89%-12.1pp | 35.62%-22.9pp |
| Employer contribution / active EE | $2,916 | $3,107-6.2% | $3,869-24.6% | $2,756+5.8% |
| Participant deferral / active EE | $3,068 | $3,870-20.7% | $5,058-39.3% | $4,297-28.6% |
| Admin fee / account holder | $3,050 | $6,715-54.6% | $8,394-63.7% | $6,935-56.0% |