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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 | $54,690-6.4% | $76,030-32.7% | $74,478-31.3% |
| Participation rate | 74.7% | 60.3%+14.4pp | 69.1%+5.7pp | 67.2%+7.5pp |
| Annual return | 139.42% | 31.92%+107.5pp | 361.54%-222.1pp | 1370.56%-1231.1pp |
| Employer contribution / active EE | $2,178 | $1,781+22.3% | $2,688-18.9% | $2,626-17.1% |
| Participant deferral / active EE | $4,221 | $3,070+37.5% | $4,257-0.9% | $4,350-3.0% |
| Admin fee / account holder | $4,083 | $2,240+82.3% | $6,421-36.4% | $1,946+109.9% |