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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 | $56,522 | $88,982-36.5% | $102,438-44.8% | $77,671-27.2% |
| Participation rate | 69.3% | 80.9%-11.6pp | 76.5%-7.2pp | 70.6%-1.2pp |
| Annual return | 257.57% | 25.01%+232.6pp | 29.37%+228.2pp | 31.21%+226.4pp |
| Employer contribution / active EE | $1,774 | $2,698-34.3% | $3,024-41.3% | $2,726-34.9% |
| Participant deferral / active EE | $5,268 | $5,144+2.4% | $5,054+4.2% | $4,648+13.3% |
| Admin fee / account holder | $3,334 | $236+1315.6% | $9,448-64.7% | $430+674.7% |