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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 | $37,251 | $79,867-53.4% | $120,344-69.0% | $64,340-42.1% |
| Participation rate | 86.5% | 63.0%+23.6pp | 76.7%+9.8pp | 55.2%+31.3pp |
| Annual return | 22.88% | 21.10%+1.8pp | 20.30%+2.6pp | 24.14%-1.3pp |
| Employer contribution / active EE | $5,641 | $1,925+193.1% | $3,020+86.8% | $1,862+203.0% |
| Participant deferral / active EE | $8,683 | $3,593+141.7% | $5,135+69.1% | $2,980+191.3% |
| Admin fee / account holder | $2,332 | $5,039-53.7% | $12,742-81.7% | $3,703-37.0% |