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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 | $41,085 | $99,957-58.9% | $149,730-72.6% | $73,493-44.1% |
| Participation rate | 75.3% | 75.7%-0.4pp | 82.5%-7.1pp | 70.7%+4.7pp |
| Annual return | 262.77% | 53.87%+208.9pp | 276.70%-13.9pp | 28.51%+234.3pp |
| Employer contribution / active EE | $821 | $3,191-74.3% | $4,645-82.3% | $2,270-63.8% |
| Participant deferral / active EE | $5,132 | $6,073-15.5% | $6,843-25.0% | $3,740+37.2% |
| Admin fee / account holder | $384 | $551-30.3% | $9,310-95.9% | $513-25.2% |