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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 | $47,403 | $55,470-14.5% | $155,556-69.5% | $74,478-36.4% |
| Participation rate | 73.3% | 61.9%+11.4pp | 78.2%-4.9pp | 67.2%+6.1pp |
| Annual return | 24.65% | 269.80%-245.2pp | 64.84%-40.2pp | 1370.56%-1345.9pp |
| Employer contribution / active EE | $3,288 | $2,267+45.1% | $4,675-29.7% | $2,626+25.2% |
| Participant deferral / active EE | $5,320 | $2,838+87.4% | $5,631-5.5% | $4,350+22.3% |
| Admin fee / account holder | $2,342 | $1,744+34.3% | $15,885-85.3% | $1,946+20.4% |