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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 | $68,971 | $92,224-25.2% | $105,223-34.5% | $79,634-13.4% |
| Participation rate | 36.3% | 69.2%-32.9pp | 75.0%-38.8pp | 62.5%-26.2pp |
| Annual return | 14.43% | 88.65%-74.2pp | 180.65%-166.2pp | 36.46%-22.0pp |
| Employer contribution / active EE | $1,312 | $3,965-66.9% | $3,689-64.4% | $2,529-48.1% |
| Participant deferral / active EE | $2,433 | $3,834-36.5% | $5,072-52.0% | $3,835-36.5% |
| Admin fee / account holder | $3,501 | $1,121+212.4% | $8,859-60.5% | $1,002+249.5% |