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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 | $21,484 | $62,928-65.9% | $172,753-87.6% | $67,582-68.2% |
| Participation rate | 43.8% | 64.5%-20.6pp | 82.6%-38.8pp | 71.3%-27.5pp |
| Annual return | 79.41% | 30.36%+49.1pp | 803.00%-723.6pp | 378.57%-299.2pp |
| Employer contribution / active EE | $426 | $1,636-74.0% | $5,144-91.7% | $2,148-80.2% |
| Participant deferral / active EE | $890 | $2,145-58.5% | $5,198-82.9% | $3,539-74.9% |
| Admin fee / account holder | $322 | $167+93.3% | $13,956-97.7% | $142+126.3% |