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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 | $81,504-21.4% | $102,437-37.5% | $80,959-20.9% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 12.76% | 25.60%-12.8pp | 24.95%-12.2pp | 35.67%-22.9pp |
| Employer contribution / active EE | $2,916 | $3,104-6.1% | $3,871-24.7% | $2,757+5.8% |
| Participant deferral / active EE | $3,068 | $3,871-20.7% | $5,060-39.4% | $4,300-28.7% |
| Admin fee / account holder | $3,050 | $6,719-54.6% | $8,388-63.6% | $6,925-56.0% |