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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 | $21,288 | $65,575-67.5% | $86,209-75.3% | $75,181-71.7% |
| Participation rate | 98.7% | 60.5%+38.2pp | 69.0%+29.8pp | 67.2%+31.5pp |
| Annual return | 18.45% | 46.07%-27.6pp | 1169.05%-1150.6pp | 160.69%-142.2pp |
| Employer contribution / active EE | $1,922 | $1,553+23.8% | $2,381-19.3% | $2,671-28.0% |
| Participant deferral / active EE | $2,132 | $3,023-29.5% | $3,986-46.5% | $4,126-48.3% |
| Admin fee / account holder | $871 | $5,470-84.1% | $6,853-87.3% | $5,650-84.6% |