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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 | $46,146 | $55,437-16.8% | $155,534-70.3% | $74,459-38.0% |
| Participation rate | 60.7% | 61.9%-1.2pp | 78.2%-17.5pp | 67.2%-6.5pp |
| Annual return | 151.86% | 269.58%-117.7pp | 64.92%+86.9pp | 1369.70%-1217.8pp |
| Employer contribution / active EE | $815 | $2,266-64.0% | $4,675-82.6% | $2,626-68.9% |
| Participant deferral / active EE | $2,978 | $2,837+5.0% | $5,630-47.1% | $4,350-31.5% |
| Admin fee / account holder | $1,322 | $1,742-24.1% | $15,900-91.7% | $1,945-32.0% |