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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 | $59,456-40.4% | $93,669-62.2% | $74,429-52.4% |
| Participation rate | 44.3% | 59.6%-15.3pp | 68.7%-24.4pp | 67.2%-22.9pp |
| Annual return | 11.42% | 82.00%-70.6pp | 133.59%-122.2pp | 1368.38%-1357.0pp |
| Employer contribution / active EE | $1,760 | $1,266+39.0% | $2,424-27.4% | $2,625-33.0% |
| Participant deferral / active EE | $1,942 | $3,052-36.4% | $4,416-56.0% | $4,348-55.3% |
| Admin fee / account holder | $1,587 | $3,026-47.6% | $8,291-80.9% | $1,944-18.4% |