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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 | $108,486 | $55,472+95.6% | $155,567-30.3% | $74,546+45.5% |
| Participation rate | 74.1% | 61.9%+12.2pp | 78.2%-4.1pp | 67.2%+6.9pp |
| Annual return | 34.18% | 268.72%-234.5pp | 64.74%-30.6pp | 1366.03%-1331.9pp |
| Employer contribution / active EE | $1,742 | $2,269-23.2% | $4,674-62.7% | $2,624-33.6% |
| Participant deferral / active EE | $3,702 | $2,838+30.5% | $5,628-34.2% | $4,347-14.8% |
| Admin fee / account holder | $16,839 | $1,743+866.3% | $15,916+5.8% | $1,944+766.4% |