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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 | $46,164 | $59,467-22.4% | $93,727-50.7% | $74,478-38.0% |
| Participation rate | 68.5% | 59.6%+8.9pp | 68.7%-0.2pp | 67.2%+1.3pp |
| Annual return | 30.07% | 82.14%-52.1pp | 133.83%-103.8pp | 1370.56%-1340.5pp |
| Employer contribution / active EE | $2,512 | $1,267+98.3% | $2,421+3.7% | $2,626-4.4% |
| Participant deferral / active EE | $5,297 | $3,052+73.6% | $4,417+19.9% | $4,350+21.8% |
| Admin fee / account holder | $3,124 | $3,028+3.2% | $8,292-62.3% | $1,946+60.6% |