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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 | $69,708-58.1% | $67,560-56.8% | $74,478-60.8% |
| Participation rate | 69.8% | 71.4%-1.6pp | 72.9%-3.1pp | 67.2%+2.6pp |
| Annual return | 24.33% | -40.67%+65.0pp | 3533.50%-3509.2pp | 1370.56%-1346.2pp |
| Employer contribution / active EE | $1,984 | $2,715-26.9% | $2,737-27.5% | $2,626-24.4% |
| Participant deferral / active EE | $3,764 | $3,637+3.5% | $4,004-6.0% | $4,350-13.5% |
| Admin fee / account holder | $5,515 | $887+521.7% | $3,994+38.1% | $1,946+183.4% |