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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 | $36,529 | $62,409-41.5% | $120,524-69.7% | $74,429-50.9% |
| Participation rate | 73.0% | 56.8%+16.2pp | 71.9%+1.0pp | 67.2%+5.8pp |
| Annual return | 22.21% | 18.62%+3.6pp | 107.36%-85.2pp | 1368.38%-1346.2pp |
| Employer contribution / active EE | $3,361 | $1,847+82.0% | $3,469-3.1% | $2,625+28.1% |
| Participant deferral / active EE | $6,284 | $2,888+117.6% | $4,994+25.8% | $4,348+44.5% |
| Admin fee / account holder | $2,016 | $2,394-15.8% | $9,440-78.6% | $1,944+3.7% |