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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 | $54,674+10.0% | $76,089-21.0% | $74,429-19.2% |
| Participation rate | 40.9% | 60.3%-19.4pp | 69.1%-28.2pp | 67.2%-26.3pp |
| Annual return | 88.34% | 31.89%+56.5pp | 360.94%-272.6pp | 1368.38%-1280.0pp |
| Employer contribution / active EE | $0 | $1,781-100.0% | $2,690-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $2,169 | $3,071-29.4% | $4,259-49.1% | $4,348-50.1% |
| Admin fee / account holder | $4,119 | $2,238+84.1% | $6,418-35.8% | $1,944+111.8% |