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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 | $19,529 | $45,312-56.9% | $86,233-77.4% | $67,986-71.3% |
| Participation rate | 92.4% | 42.4%+50.0pp | 69.0%+23.4pp | 57.2%+35.2pp |
| Annual return | 25.52% | 24.79%+0.7pp | 61.39%-35.9pp | 31.67%-6.1pp |
| Employer contribution / active EE | $2,408 | $1,160+107.7% | $2,504-3.8% | $2,019+19.3% |
| Participant deferral / active EE | $4,052 | $2,185+85.5% | $4,559-11.1% | $3,358+20.7% |
| Admin fee / account holder | $1,976 | $3,295-40.0% | $8,342-76.3% | $3,203-38.3% |