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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $14,550 | $40,435-64.0% | $80,627-82.0% | $74,460-80.5% |
| Participation rate | 64.2% | 47.4%+16.8pp | 67.0%-2.9pp | 70.7%-6.6pp |
| Annual return | 18.65% | 165.19%-146.5pp | 936.76%-918.1pp | 34.38%-15.7pp |
| Employer contribution / active EE | $3,752 | $1,498+150.5% | $2,723+37.8% | $2,638+42.2% |
| Participant deferral / active EE | $0 | $2,673-100.0% | $4,443-100.0% | $4,530-100.0% |
| Admin fee / account holder | $1,163 | $721+61.3% | $5,381-78.4% | $348+234.3% |