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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 | $35,989 | $102,385-64.8% | $147,080-75.5% | $80,935-55.5% |
| Participation rate | 69.0% | 75.9%-6.8pp | 82.2%-13.1pp | 67.7%+1.4pp |
| Annual return | 65.90% | 135.09%-69.2pp | 420.17%-354.3pp | 35.66%+30.2pp |
| Employer contribution / active EE | $2,305 | $3,717-38.0% | $4,933-53.3% | $2,757-16.4% |
| Participant deferral / active EE | $5,042 | $6,651-24.2% | $8,066-37.5% | $4,299+17.3% |
| Admin fee / account holder | $1,508 | $7,951-81.0% | $12,989-88.4% | $6,924-78.2% |