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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 | $44,489 | $106,749-58.3% | $145,433-69.4% | $82,448-46.0% |
| Participation rate | 79.6% | 75.6%+3.9pp | 82.1%-2.5pp | 68.1%+11.5pp |
| Annual return | 16.39% | 27.59%-11.2pp | 66.58%-50.2pp | 41.64%-25.2pp |
| Employer contribution / active EE | $2,776 | $3,444-19.4% | $4,554-39.1% | $2,551+8.8% |
| Participant deferral / active EE | $5,374 | $6,519-17.6% | $7,897-31.9% | $4,139+29.8% |
| Admin fee / account holder | $1,688 | $8,390-79.9% | $13,129-87.1% | $7,234-76.7% |