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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 | $34,205 | $101,591-66.3% | $147,096-76.7% | $74,429-54.0% |
| Participation rate | 69.3% | 75.5%-6.2pp | 82.2%-12.9pp | 67.2%+2.1pp |
| Annual return | 37.43% | 8746.45%-8709.0pp | 419.75%-382.3pp | 1368.38%-1331.0pp |
| Employer contribution / active EE | $1,374 | $3,813-64.0% | $4,936-72.2% | $2,625-47.7% |
| Participant deferral / active EE | $5,442 | $7,302-25.5% | $8,071-32.6% | $4,348+25.2% |
| Admin fee / account holder | $1,872 | $1,750+7.0% | $13,005-85.6% | $1,944-3.7% |