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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 | $22,805 | $77,638-70.6% | $156,551-85.4% | $62,881-63.7% |
| Participation rate | 93.1% | 71.2%+21.9pp | 84.0%+9.1pp | 69.3%+23.8pp |
| Annual return | 7.75% | 50.33%-42.6pp | 32.23%-24.5pp | 20.14%-12.4pp |
| Employer contribution / active EE | $733 | $3,444-78.7% | $5,501-86.7% | $2,281-67.9% |
| Participant deferral / active EE | $2,171 | $3,046-28.7% | $4,871-55.4% | $3,203-32.2% |
| Admin fee / account holder | $2,381 | $5,561-57.2% | $13,028-81.7% | $4,296-44.6% |