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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 | $4,302 | $16,790-74.4% | $64,489-93.3% | $67,986-93.7% |
| Participation rate | 77.7% | 62.4%+15.3pp | 67.7%+10.0pp | 57.2%+20.5pp |
| Annual return | 25.59% | 30.55%-5.0pp | 55.03%-29.4pp | 31.67%-6.1pp |
| Employer contribution / active EE | $871 | $648+34.5% | $1,523-42.8% | $2,019-56.9% |
| Participant deferral / active EE | $1,106 | $1,510-26.8% | $2,778-60.2% | $3,358-67.1% |
| Admin fee / account holder | $1,207 | $1,690-28.6% | $4,260-71.7% | $3,203-62.3% |