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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 | $29,218 | $69,774-58.1% | $67,561-56.8% | $74,429-60.7% |
| Participation rate | 69.8% | 71.4%-1.6pp | 72.9%-3.1pp | 67.2%+2.6pp |
| Annual return | 24.33% | -40.53%+64.9pp | 3525.44%-3501.1pp | 1368.38%-1344.1pp |
| Employer contribution / active EE | $1,984 | $2,710-26.8% | $2,735-27.4% | $2,625-24.4% |
| Participant deferral / active EE | $3,764 | $3,636+3.5% | $4,003-6.0% | $4,348-13.4% |
| Admin fee / account holder | $5,515 | $890+519.9% | $4,006+37.7% | $1,944+183.7% |