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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 | $29,889 | $75,183-60.2% | $123,894-75.9% | $55,167-45.8% |
| Participation rate | 83.3% | 72.8%+10.5pp | 81.4%+1.9pp | 69.0%+14.3pp |
| Annual return | 869.85% | 19.01%+850.8pp | 47.52%+822.3pp | 169.23%+700.6pp |
| Employer contribution / active EE | $0 | $2,823-100.0% | $4,617-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $2,651 | $5,084-47.9% | $5,984-55.7% | $3,054-13.2% |
| Admin fee / account holder | $797 | $663+20.3% | $8,357-90.5% | $504+58.2% |