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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 | $32,895 | $84,493-61.1% | $125,381-73.8% | $66,938-50.9% |
| Participation rate | 70.8% | 76.4%-5.6pp | 82.4%-11.6pp | 69.8%+1.0pp |
| Annual return | -17.04% | -8.49%-8.6pp | 572.31%-589.3pp | 1.58%-18.6pp |
| Employer contribution / active EE | $2,101 | $3,554-40.9% | $4,815-56.4% | $2,545-17.5% |
| Participant deferral / active EE | $7,029 | $6,783+3.6% | $7,448-5.6% | $4,238+65.8% |
| Admin fee / account holder | $2,561 | $685+273.8% | $10,007-74.4% | $594+331.5% |