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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 | $22,089 | $55,437-60.2% | $155,534-85.8% | $74,459-70.3% |
| Participation rate | 98.1% | 61.9%+36.2pp | 78.2%+19.9pp | 67.2%+30.9pp |
| Annual return | 14.34% | 269.58%-255.2pp | 64.92%-50.6pp | 1369.70%-1355.4pp |
| Employer contribution / active EE | $1,052 | $2,266-53.6% | $4,675-77.5% | $2,626-59.9% |
| Participant deferral / active EE | $2,271 | $2,837-20.0% | $5,630-59.7% | $4,350-47.8% |
| Admin fee / account holder | $1,268 | $1,742-27.2% | $15,900-92.0% | $1,945-34.8% |