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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 | $31,550 | $57,352-45.0% | $83,831-62.4% | $64,173-50.8% |
| Participation rate | 95.7% | 68.6%+27.0pp | 76.1%+19.5pp | 69.6%+26.1pp |
| Annual return | -6.80% | 11.38%-18.2pp | 850.99%-857.8pp | 7.63%-14.4pp |
| Employer contribution / active EE | $1,812 | $2,546-28.8% | $3,631-50.1% | $2,381-23.9% |
| Participant deferral / active EE | $4,297 | $2,993+43.6% | $4,082+5.3% | $3,470+23.8% |
| Admin fee / account holder | $914 | $4,046-77.4% | $5,479-83.3% | $4,887-81.3% |