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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 | $29,764 | $52,961-43.8% | $172,755-82.8% | $65,185-54.3% |
| Participation rate | 52.7% | 66.2%-13.5pp | 82.6%-30.0pp | 70.2%-17.5pp |
| Annual return | 112.37% | 30.12%+82.2pp | 802.94%-690.6pp | 29.38%+83.0pp |
| Employer contribution / active EE | $1,191 | $2,190-45.6% | $5,144-76.8% | $2,177-45.3% |
| Participant deferral / active EE | $1,403 | $2,471-43.2% | $5,198-73.0% | $3,514-60.1% |
| Admin fee / account holder | $1,717 | $472+263.9% | $13,955-87.7% | $847+102.7% |