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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 | $46,933 | $75,962-38.2% | $154,108-69.5% | $64,173-26.9% |
| Participation rate | 100.0% | 70.4%+29.6pp | 83.0%+17.0pp | 69.6%+30.4pp |
| Annual return | -3.74% | 30.32%-34.1pp | 735.21%-738.9pp | 7.63%-11.4pp |
| Employer contribution / active EE | $5,263 | $3,350+57.1% | $5,298-0.6% | $2,381+121.1% |
| Participant deferral / active EE | $4,765 | $3,175+50.1% | $5,081-6.2% | $3,470+37.3% |
| Admin fee / account holder | $1,613 | $5,589-71.1% | $13,411-88.0% | $4,887-67.0% |