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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 | $140,931 | $101,653+38.6% | $147,080-4.2% | $74,459+89.3% |
| Participation rate | 46.7% | 75.6%-28.9pp | 82.2%-35.5pp | 67.2%-20.6pp |
| Annual return | 13.05% | 8754.98%-8741.9pp | 420.17%-407.1pp | 1369.70%-1356.7pp |
| Employer contribution / active EE | $1,763 | $3,813-53.8% | $4,933-64.3% | $2,626-32.8% |
| Participant deferral / active EE | $3,871 | $7,304-47.0% | $8,066-52.0% | $4,350-11.0% |
| Admin fee / account holder | $3,697 | $1,752+111.1% | $12,989-71.5% | $1,945+90.1% |