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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 | $60,393-43.3% | $81,820-58.1% | $74,429-54.0% |
| Participation rate | 69.5% | 62.9%+6.6pp | 72.4%-2.9pp | 67.2%+2.3pp |
| Annual return | 13.32% | 16.89%-3.6pp | 777.93%-764.6pp | 1368.38%-1355.1pp |
| Employer contribution / active EE | $1,121 | $2,626-57.3% | $2,915-61.6% | $2,625-57.3% |
| Participant deferral / active EE | $3,063 | $3,397-9.8% | $4,323-29.1% | $4,348-29.6% |
| Admin fee / account holder | $2,943 | $1,491+97.4% | $7,391-60.2% | $1,944+51.4% |