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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 | $62,185 | $54,679+13.7% | $76,119-18.3% | $74,459-16.5% |
| Participation rate | 99.2% | 60.3%+38.8pp | 69.1%+30.1pp | 67.2%+32.0pp |
| Annual return | 17.98% | 31.90%-13.9pp | 361.25%-343.3pp | 1369.70%-1351.7pp |
| Employer contribution / active EE | $9,281 | $1,781+421.0% | $2,693+244.7% | $2,626+253.5% |
| Participant deferral / active EE | $8,928 | $3,072+190.6% | $4,259+109.6% | $4,350+105.3% |
| Admin fee / account holder | $4,780 | $2,238+113.6% | $6,421-25.6% | $1,945+145.8% |