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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 | $39,394 | $91,439-56.9% | $135,974-71.0% | $71,511-44.9% |
| Participation rate | 100.0% | 75.7%+24.3pp | 81.9%+18.1pp | 67.9%+32.1pp |
| Annual return | 42.80% | 29.90%+12.9pp | 68.30%-25.5pp | 28.86%+13.9pp |
| Employer contribution / active EE | $17,243 | $3,705+365.4% | $4,859+254.9% | $2,589+566.0% |
| Participant deferral / active EE | $9,343 | $7,093+31.7% | $7,760+20.4% | $4,291+117.8% |
| Admin fee / account holder | $638 | $1,267-49.6% | $10,767-94.1% | $1,588-59.8% |