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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 | $63,198 | $102,382-38.3% | $147,005-57.0% | $80,874-21.9% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.2%+17.8pp | 67.6%+32.4pp |
| Annual return | 14.77% | 134.89%-120.1pp | 418.76%-404.0pp | 35.62%-20.8pp |
| Employer contribution / active EE | $3,963 | $3,715+6.7% | $4,934-19.7% | $2,756+43.8% |
| Participant deferral / active EE | $4,957 | $6,646-25.4% | $8,070-38.6% | $4,297+15.4% |
| Admin fee / account holder | $880 | $7,942-88.9% | $13,006-93.2% | $6,935-87.3% |