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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 | $51,429 | $82,674-37.8% | $125,381-59.0% | $68,486-24.9% |
| Participation rate | 93.7% | 75.1%+18.6pp | 82.4%+11.3pp | 67.9%+25.8pp |
| Annual return | -11.80% | -5.97%-5.8pp | 572.31%-584.1pp | -7.85%-3.9pp |
| Employer contribution / active EE | $4,773 | $3,382+41.1% | $4,815-0.9% | $2,597+83.8% |
| Participant deferral / active EE | $10,012 | $6,111+63.8% | $7,448+34.4% | $4,028+148.6% |
| Admin fee / account holder | $8,487 | $6,277+35.2% | $10,007-15.2% | $5,404+57.1% |