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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $2,420 | $16,790-85.6% | $64,489-96.2% | $67,986-96.4% |
| Participation rate | 86.9% | 62.4%+24.5pp | 67.7%+19.2pp | 57.2%+29.7pp |
| Annual return | 11.91% | 30.55%-18.6pp | 55.03%-43.1pp | 31.67%-19.8pp |
| Employer contribution / active EE | $435 | $648-32.8% | $1,523-71.4% | $2,019-78.4% |
| Participant deferral / active EE | $1,722 | $1,510+14.0% | $2,778-38.0% | $3,358-48.7% |
| Admin fee / account holder | $1,210 | $1,690-28.4% | $4,260-71.6% | $3,203-62.2% |