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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 | $34,263 | $60,504-43.4% | $81,882-58.2% | $74,478-54.0% |
| Participation rate | 69.5% | 62.9%+6.5pp | 72.4%-2.9pp | 67.2%+2.2pp |
| Annual return | 13.32% | 16.91%-3.6pp | 779.47%-766.2pp | 1370.56%-1357.2pp |
| Employer contribution / active EE | $1,121 | $2,627-57.3% | $2,916-61.6% | $2,626-57.3% |
| Participant deferral / active EE | $3,063 | $3,400-9.9% | $4,323-29.1% | $4,350-29.6% |
| Admin fee / account holder | $2,943 | $1,492+97.3% | $7,360-60.0% | $1,946+51.2% |