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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 | $60,125 | $54,679+10.0% | $76,119-21.0% | $74,459-19.3% |
| Participation rate | 40.9% | 60.3%-19.4pp | 69.1%-28.1pp | 67.2%-26.3pp |
| Annual return | 88.34% | 31.90%+56.4pp | 361.25%-272.9pp | 1369.70%-1281.4pp |
| Employer contribution / active EE | $0 | $1,781-100.0% | $2,693-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $2,169 | $3,072-29.4% | $4,259-49.1% | $4,350-50.1% |
| Admin fee / account holder | $4,119 | $2,238+84.0% | $6,421-35.9% | $1,945+111.8% |