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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 | $26,102 | $74,661-65.0% | $160,784-83.8% | $67,986-61.6% |
| Participation rate | 59.4% | 57.1%+2.3pp | 77.0%-17.6pp | 57.2%+2.2pp |
| Annual return | 57.74% | 28.83%+28.9pp | 1803.92%-1746.2pp | 31.67%+26.1pp |
| Employer contribution / active EE | $1,227 | $1,829-32.9% | $3,733-67.1% | $2,019-39.2% |
| Participant deferral / active EE | $2,820 | $3,681-23.4% | $6,293-55.2% | $3,358-16.0% |
| Admin fee / account holder | $1,406 | $3,959-64.5% | $9,717-85.5% | $3,203-56.1% |