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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 | $44,146 | $58,911-25.1% | $129,384-65.9% | $77,736-43.2% |
| Participation rate | 33.5% | 59.4%-25.9pp | 69.6%-36.1pp | 70.6%-37.1pp |
| Annual return | 121.29% | 24.75%+96.5pp | 9461.77%-9340.5pp | 31.26%+90.0pp |
| Employer contribution / active EE | $982 | $1,955-49.8% | $4,153-76.4% | $2,728-64.0% |
| Participant deferral / active EE | $1,869 | $3,220-42.0% | $4,166-55.1% | $4,651-59.8% |
| Admin fee / account holder | $5,300 | $592+795.9% | $7,686-31.0% | $433+1123.1% |