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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 | $51,188 | $54,674-6.4% | $76,089-32.7% | $74,429-31.2% |
| Participation rate | 74.7% | 60.3%+14.4pp | 69.1%+5.6pp | 67.2%+7.5pp |
| Annual return | 139.42% | 31.89%+107.5pp | 360.94%-221.5pp | 1368.38%-1229.0pp |
| Employer contribution / active EE | $2,178 | $1,781+22.3% | $2,690-19.0% | $2,625-17.0% |
| Participant deferral / active EE | $4,221 | $3,071+37.4% | $4,259-0.9% | $4,348-2.9% |
| Admin fee / account holder | $4,083 | $2,238+82.5% | $6,418-36.4% | $1,944+110.0% |