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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 | $58,401 | $101,539-42.5% | $147,041-60.3% | $74,400-21.5% |
| Participation rate | 51.6% | 75.5%-23.9pp | 82.2%-30.6pp | 67.2%-15.6pp |
| Annual return | 16.22% | 8740.84%-8724.6pp | 419.21%-403.0pp | 1367.51%-1351.3pp |
| Employer contribution / active EE | $1,474 | $3,811-61.3% | $4,935-70.1% | $2,624-43.8% |
| Participant deferral / active EE | $4,553 | $7,304-37.7% | $8,071-43.6% | $4,348+4.7% |
| Admin fee / account holder | $4,645 | $1,749+165.5% | $13,006-64.3% | $1,944+139.0% |