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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 | $58,083 | $51,638+12.5% | $129,406-55.1% | $80,959-28.3% |
| Participation rate | 100.0% | 56.9%+43.1pp | 69.6%+30.4pp | 67.7%+32.3pp |
| Annual return | 16.11% | 20.78%-4.7pp | 9468.18%-9452.1pp | 35.67%-19.6pp |
| Employer contribution / active EE | $1,354 | $1,584-14.5% | $4,155-67.4% | $2,757-50.9% |
| Participant deferral / active EE | $5,819 | $2,670+117.9% | $4,167+39.6% | $4,300+35.3% |
| Admin fee / account holder | $2,199 | $4,313-49.0% | $7,689-71.4% | $6,925-68.3% |