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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 | $26,950 | $63,346-57.5% | $92,240-70.8% | $70,126-61.6% |
| Participation rate | 93.1% | 68.7%+24.4pp | 76.5%+16.6pp | 69.5%+23.6pp |
| Annual return | 19.13% | 530.19%-511.1pp | 176.29%-157.2pp | 73.15%-54.0pp |
| Employer contribution / active EE | $4,256 | $2,471+72.2% | $3,680+15.7% | $2,343+81.7% |
| Participant deferral / active EE | $1,404 | $2,854-50.8% | $3,897-64.0% | $3,332-57.9% |
| Admin fee / account holder | $1,102 | $3,841-71.3% | $5,194-78.8% | $4,645-76.3% |