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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 | $36,432 | $84,493-56.9% | $125,381-70.9% | $66,938-45.6% |
| Participation rate | 42.4% | 76.4%-34.0pp | 82.4%-40.0pp | 69.8%-27.5pp |
| Annual return | 106.64% | -8.49%+115.1pp | 572.31%-465.7pp | 1.58%+105.1pp |
| Employer contribution / active EE | $3,260 | $3,554-8.3% | $4,815-32.3% | $2,545+28.1% |
| Participant deferral / active EE | $4,064 | $6,783-40.1% | $7,448-45.4% | $4,238-4.1% |
| Admin fee / account holder | $673 | $685-1.8% | $10,007-93.3% | $594+13.3% |