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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 | $131,665 | $60,454+117.8% | $81,844+60.9% | $74,459+76.8% |
| Participation rate | 82.5% | 63.0%+19.5pp | 72.4%+10.1pp | 67.2%+15.2pp |
| Annual return | 127.86% | 16.87%+111.0pp | 778.87%-651.0pp | 1369.70%-1241.8pp |
| Employer contribution / active EE | $2,243 | $2,630-14.7% | $2,916-23.1% | $2,626-14.6% |
| Participant deferral / active EE | $7,985 | $3,398+135.0% | $4,323+84.7% | $4,350+83.6% |
| Admin fee / account holder | $8,522 | $1,490+471.8% | $7,355+15.9% | $1,945+338.2% |