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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 | $55,423-60.1% | $155,602-85.8% | $74,400-70.3% |
| Participation rate | 98.1% | 61.9%+36.2pp | 78.2%+19.9pp | 67.2%+30.9pp |
| Annual return | 14.34% | 269.07%-254.7pp | 64.81%-50.5pp | 1367.51%-1353.2pp |
| Employer contribution / active EE | $1,052 | $2,266-53.6% | $4,675-77.5% | $2,624-59.9% |
| Participant deferral / active EE | $2,271 | $2,835-19.9% | $5,629-59.7% | $4,348-47.8% |
| Admin fee / account holder | $1,268 | $1,744-27.3% | $15,923-92.0% | $1,944-34.8% |