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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 | $53,606 | $55,889-4.1% | $76,119-29.6% | $80,935-33.8% |
| Participation rate | 92.0% | 62.1%+29.9pp | 69.1%+22.9pp | 67.7%+24.3pp |
| Annual return | 17.77% | 20.58%-2.8pp | 361.25%-343.5pp | 35.66%-17.9pp |
| Employer contribution / active EE | $2,568 | $1,866+37.6% | $2,693-4.6% | $2,757-6.8% |
| Participant deferral / active EE | $6,658 | $3,051+118.2% | $4,259+56.3% | $4,299+54.9% |
| Admin fee / account holder | $1,731 | $5,241-67.0% | $6,421-73.0% | $6,924-75.0% |