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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 | $56,915 | $102,385-44.4% | $147,080-61.3% | $80,935-29.7% |
| Participation rate | 76.3% | 75.9%+0.5pp | 82.2%-5.8pp | 67.7%+8.7pp |
| Annual return | 13.07% | 135.09%-122.0pp | 420.17%-407.1pp | 35.66%-22.6pp |
| Employer contribution / active EE | $3,273 | $3,717-12.0% | $4,933-33.7% | $2,757+18.7% |
| Participant deferral / active EE | $6,798 | $6,651+2.2% | $8,066-15.7% | $4,299+58.1% |
| Admin fee / account holder | $8,053 | $7,951+1.3% | $12,989-38.0% | $6,924+16.3% |