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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 | $33,742 | $60,261-44.0% | $81,783-58.7% | $74,546-54.7% |
| Participation rate | 100.0% | 62.9%+37.1pp | 72.4%+27.6pp | 67.2%+32.8pp |
| Annual return | 11.87% | 16.88%-5.0pp | 775.05%-763.2pp | 1366.03%-1354.2pp |
| Employer contribution / active EE | $2,796 | $2,622+6.6% | $2,913-4.0% | $2,624+6.5% |
| Participant deferral / active EE | $5,012 | $3,388+47.9% | $4,320+16.0% | $4,347+15.3% |
| Admin fee / account holder | $6,162 | $1,482+315.7% | $7,380-16.5% | $1,944+217.1% |