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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 | $55,446+95.7% | $155,574-30.3% | $74,429+45.8% |
| Participation rate | 74.1% | 61.9%+12.2pp | 78.2%-4.1pp | 67.2%+6.9pp |
| Annual return | 34.18% | 269.20%-235.0pp | 64.87%-30.7pp | 1368.38%-1334.2pp |
| Employer contribution / active EE | $1,742 | $2,266-23.1% | $4,676-62.7% | $2,625-33.6% |
| Participant deferral / active EE | $3,702 | $2,836+30.5% | $5,629-34.2% | $4,348-14.9% |
| Admin fee / account holder | $16,839 | $1,743+866.1% | $15,914+5.8% | $1,944+766.0% |