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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 | $20,315 | $54,690-62.9% | $76,030-73.3% | $74,478-72.7% |
| Participation rate | 59.3% | 60.3%-1.1pp | 69.1%-9.8pp | 67.2%-8.0pp |
| Annual return | 27.39% | 31.92%-4.5pp | 361.54%-334.1pp | 1370.56%-1343.2pp |
| Employer contribution / active EE | $1,529 | $1,781-14.2% | $2,688-43.1% | $2,626-41.8% |
| Participant deferral / active EE | $2,514 | $3,070-18.1% | $4,257-41.0% | $4,350-42.2% |
| Admin fee / account holder | $939 | $2,240-58.1% | $6,421-85.4% | $1,946-51.8% |