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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 | $54,679-6.4% | $76,119-32.8% | $74,459-31.3% |
| Participation rate | 74.7% | 60.3%+14.4pp | 69.1%+5.7pp | 67.2%+7.5pp |
| Annual return | 139.42% | 31.90%+107.5pp | 361.25%-221.8pp | 1369.70%-1230.3pp |
| Employer contribution / active EE | $2,178 | $1,781+22.3% | $2,693-19.1% | $2,626-17.0% |
| Participant deferral / active EE | $4,221 | $3,072+37.4% | $4,259-0.9% | $4,350-3.0% |
| Admin fee / account holder | $4,083 | $2,238+82.4% | $6,421-36.4% | $1,945+110.0% |