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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 | $46,839 | $54,674-14.3% | $76,089-38.4% | $74,429-37.1% |
| Participation rate | 65.5% | 60.3%+5.2pp | 69.1%-3.6pp | 67.2%-1.7pp |
| Annual return | 24.91% | 31.89%-7.0pp | 360.94%-336.0pp | 1368.38%-1343.5pp |
| Employer contribution / active EE | $4,764 | $1,781+167.5% | $2,690+77.1% | $2,625+81.5% |
| Participant deferral / active EE | $7,873 | $3,071+156.4% | $4,259+84.8% | $4,348+81.1% |
| Admin fee / account holder | $6,240 | $2,238+178.8% | $6,418-2.8% | $1,944+220.9% |