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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 | $31,411 | $69,774-55.0% | $67,575-53.5% | $74,459-57.8% |
| Participation rate | 67.9% | 71.4%-3.5pp | 72.9%-5.0pp | 67.2%+0.7pp |
| Annual return | 94.59% | -40.53%+135.1pp | 3528.98%-3434.4pp | 1369.70%-1275.1pp |
| Employer contribution / active EE | $3,088 | $2,710+13.9% | $2,736+12.9% | $2,626+17.6% |
| Participant deferral / active EE | $2,993 | $3,636-17.7% | $4,003-25.2% | $4,350-31.2% |
| Admin fee / account holder | $3,050 | $890+242.8% | $3,993-23.6% | $1,945+56.8% |