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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 | $15,276 | $81,331-81.2% | $155,534-90.2% | $80,935-81.1% |
| Participation rate | 76.4% | 66.3%+10.1pp | 78.2%-1.9pp | 67.7%+8.7pp |
| Annual return | 18.50% | 33.37%-14.9pp | 64.92%-46.4pp | 35.66%-17.2pp |
| Employer contribution / active EE | $4,414 | $3,105+42.2% | $4,675-5.6% | $2,757+60.1% |
| Participant deferral / active EE | $1,679 | $3,454-51.4% | $5,630-70.2% | $4,299-60.9% |
| Admin fee / account holder | $698 | $7,999-91.3% | $15,900-95.6% | $6,924-89.9% |