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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 | $53,556 | $93,617-42.8% | $135,982-60.6% | $75,177-28.8% |
| Participation rate | 94.7% | 75.2%+19.5pp | 81.9%+12.8pp | 67.2%+27.5pp |
| Annual return | 20.05% | 30.89%-10.8pp | 68.32%-48.3pp | 160.75%-140.7pp |
| Employer contribution / active EE | $3,220 | $3,538-9.0% | $4,859-33.7% | $2,671+20.5% |
| Participant deferral / active EE | $6,279 | $6,406-2.0% | $7,760-19.1% | $4,126+52.2% |
| Admin fee / account holder | $2,434 | $6,980-65.1% | $10,767-77.4% | $5,651-56.9% |