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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 | $55,909 | $105,210-46.9% | $159,487-64.9% | $85,851-34.9% |
| Participation rate | 91.0% | 75.8%+15.3pp | 82.8%+8.2pp | 69.3%+21.7pp |
| Annual return | 16.59% | 45.08%-28.5pp | 263.71%-247.1pp | 318.63%-302.0pp |
| Employer contribution / active EE | $8,348 | $3,319+151.5% | $4,831+72.8% | $2,565+225.4% |
| Participant deferral / active EE | $9,549 | $5,946+60.6% | $7,354+29.9% | $3,952+141.6% |
| Admin fee / account holder | $7,537 | $6,934+8.7% | $10,804-30.2% | $6,261+20.4% |