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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 | $11,307 | $26,114-56.7% | $58,544-80.7% | $74,440-84.8% |
| Participation rate | 11.1% | 32.1%-21.0pp | 50.9%-39.8pp | 70.7%-59.7pp |
| Annual return | 48.79% | 32.51%+16.3pp | 4249.56%-4200.8pp | 34.37%+14.4pp |
| Employer contribution / active EE | $244 | $536-54.4% | $1,053-76.8% | $2,638-90.7% |
| Participant deferral / active EE | $545 | $1,075-49.2% | $1,923-71.6% | $4,529-88.0% |
| Admin fee / account holder | $617 | $649-5.0% | $2,520-75.5% | $348+77.3% |