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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 | $43,732 | $51,226-14.6% | $82,706-47.1% | $66,930-34.7% |
| Participation rate | 70.9% | 67.9%+3.1pp | 72.6%-1.6pp | 69.8%+1.1pp |
| Annual return | -14.70% | -9.61%-5.1pp | 701.76%-716.5pp | 1.57%-16.3pp |
| Employer contribution / active EE | $2,446 | $2,612-6.4% | $3,007-18.7% | $2,545-3.9% |
| Participant deferral / active EE | $5,986 | $3,460+73.0% | $4,394+36.3% | $4,238+41.3% |
| Admin fee / account holder | $2,772 | $416+567.0% | $5,329-48.0% | $593+367.0% |