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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 | $30,577 | $65,364-53.2% | $92,909-67.1% | $72,975-58.1% |
| Participation rate | 94.8% | 68.3%+26.5pp | 76.0%+18.8pp | 69.5%+25.3pp |
| Annual return | 20.93% | 42.11%-21.2pp | 109.44%-88.5pp | 81.01%-60.1pp |
| Employer contribution / active EE | $4,497 | $2,594+73.3% | $3,653+23.1% | $2,440+84.3% |
| Participant deferral / active EE | $1,564 | $3,128-50.0% | $4,238-63.1% | $3,608-56.7% |
| Admin fee / account holder | $809 | $4,251-81.0% | $5,795-86.0% | $5,124-84.2% |