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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 | $36,997 | $101,591-63.6% | $147,096-74.8% | $74,429-50.3% |
| Participation rate | 62.7% | 75.5%-12.9pp | 82.2%-19.5pp | 67.2%-4.5pp |
| Annual return | 37.22% | 8746.45%-8709.2pp | 419.75%-382.5pp | 1368.38%-1331.2pp |
| Employer contribution / active EE | $1,412 | $3,813-63.0% | $4,936-71.4% | $2,625-46.2% |
| Participant deferral / active EE | $6,892 | $7,302-5.6% | $8,071-14.6% | $4,348+58.5% |
| Admin fee / account holder | $3,881 | $1,750+121.8% | $13,005-70.2% | $1,944+99.6% |