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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 | $42,774 | $75,962-43.7% | $154,108-72.2% | $64,173-33.3% |
| Participation rate | 86.2% | 70.4%+15.8pp | 83.0%+3.1pp | 69.6%+16.6pp |
| Annual return | -5.22% | 30.32%-35.5pp | 735.21%-740.4pp | 7.63%-12.8pp |
| Employer contribution / active EE | $2,301 | $3,350-31.3% | $5,298-56.6% | $2,381-3.4% |
| Participant deferral / active EE | $4,712 | $3,175+48.4% | $5,081-7.3% | $3,470+35.8% |
| Admin fee / account holder | $526 | $5,589-90.6% | $13,411-96.1% | $4,887-89.2% |