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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 | $42,091 | $101,653-58.6% | $147,080-71.4% | $74,459-43.5% |
| Participation rate | 54.4% | 75.6%-21.1pp | 82.2%-27.7pp | 67.2%-12.8pp |
| Annual return | 46.14% | 8754.98%-8708.8pp | 420.17%-374.0pp | 1369.70%-1323.6pp |
| Employer contribution / active EE | $2,208 | $3,813-42.1% | $4,933-55.2% | $2,626-15.9% |
| Participant deferral / active EE | $5,845 | $7,304-20.0% | $8,066-27.5% | $4,350+34.4% |
| Admin fee / account holder | $1,775 | $1,752+1.3% | $12,989-86.3% | $1,945-8.7% |