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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 | $40,970 | $98,766-58.5% | $149,730-72.6% | $79,852-48.7% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 21.65% | 27.43%-5.8pp | 276.70%-255.1pp | 31.72%-10.1pp |
| Employer contribution / active EE | $5,379 | $3,217+67.2% | $4,645+15.8% | $2,471+117.7% |
| Participant deferral / active EE | $6,945 | $5,681+22.2% | $6,843+1.5% | $3,740+85.7% |
| Admin fee / account holder | $801 | $6,052-86.8% | $9,310-91.4% | $5,306-84.9% |