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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 | $35,425 | $59,467-40.4% | $93,727-62.2% | $74,478-52.4% |
| Participation rate | 44.3% | 59.6%-15.3pp | 68.7%-24.4pp | 67.2%-22.9pp |
| Annual return | 11.42% | 82.14%-70.7pp | 133.83%-122.4pp | 1370.56%-1359.1pp |
| Employer contribution / active EE | $1,760 | $1,267+38.9% | $2,421-27.3% | $2,626-33.0% |
| Participant deferral / active EE | $1,942 | $3,052-36.4% | $4,417-56.0% | $4,350-55.4% |
| Admin fee / account holder | $1,587 | $3,028-47.6% | $8,292-80.9% | $1,946-18.4% |