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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 | $46,363 | $54,558-15.0% | $76,051-39.0% | $74,400-37.7% |
| Participation rate | 78.4% | 60.3%+18.1pp | 69.1%+9.4pp | 67.2%+11.2pp |
| Annual return | 16.20% | 31.83%-15.6pp | 360.42%-344.2pp | 1367.51%-1351.3pp |
| Employer contribution / active EE | $3,005 | $1,778+69.0% | $2,690+11.7% | $2,624+14.5% |
| Participant deferral / active EE | $6,702 | $3,065+118.7% | $4,257+57.4% | $4,348+54.1% |
| Admin fee / account holder | $659 | $2,232-70.5% | $6,416-89.7% | $1,944-66.1% |