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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 | $61,632 | $101,539-39.3% | $147,041-58.1% | $74,400-17.2% |
| Participation rate | 53.5% | 75.5%-22.0pp | 82.2%-28.6pp | 67.2%-13.7pp |
| Annual return | 14.67% | 8740.84%-8726.2pp | 419.21%-404.5pp | 1367.51%-1352.8pp |
| Employer contribution / active EE | $1,852 | $3,811-51.4% | $4,935-62.5% | $2,624-29.4% |
| Participant deferral / active EE | $3,821 | $7,304-47.7% | $8,071-52.7% | $4,348-12.1% |
| Admin fee / account holder | $3,029 | $1,749+73.1% | $13,006-76.7% | $1,944+55.8% |