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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 | $30,151 | $59,467-49.3% | $93,727-67.8% | $74,478-59.5% |
| Participation rate | 62.8% | 59.6%+3.2pp | 68.7%-5.9pp | 67.2%-4.4pp |
| Annual return | 20.69% | 82.14%-61.4pp | 133.83%-113.1pp | 1370.56%-1349.9pp |
| Employer contribution / active EE | $327 | $1,267-74.2% | $2,421-86.5% | $2,626-87.6% |
| Participant deferral / active EE | $2,662 | $3,052-12.8% | $4,417-39.7% | $4,350-38.8% |
| Admin fee / account holder | $3,144 | $3,028+3.8% | $8,292-62.1% | $1,946+61.6% |