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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 | $54,674+13.7% | $76,089-18.3% | $74,429-16.5% |
| Participation rate | 99.2% | 60.3%+38.8pp | 69.1%+30.1pp | 67.2%+32.0pp |
| Annual return | 17.98% | 31.89%-13.9pp | 360.94%-343.0pp | 1368.38%-1350.4pp |
| Employer contribution / active EE | $9,281 | $1,781+421.1% | $2,690+245.0% | $2,625+253.6% |
| Participant deferral / active EE | $8,928 | $3,071+190.7% | $4,259+109.6% | $4,348+105.3% |
| Admin fee / account holder | $4,780 | $2,238+113.6% | $6,418-25.5% | $1,944+145.8% |