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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 | $40,386-64.0% | $80,607-82.0% | $74,440-80.5% |
| Participation rate | 64.2% | 47.4%+16.8pp | 67.0%-2.9pp | 70.7%-6.6pp |
| Annual return | 18.65% | 165.00%-146.3pp | 936.11%-917.5pp | 34.37%-15.7pp |
| Employer contribution / active EE | $3,752 | $1,496+150.9% | $2,724+37.7% | $2,638+42.2% |
| Participant deferral / active EE | $0 | $2,670-100.0% | $4,448-100.0% | $4,529-100.0% |
| Admin fee / account holder | $1,163 | $720+61.4% | $5,379-78.4% | $348+234.2% |