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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 | $89,093-36.6% | $102,434-44.8% | $77,736-27.3% |
| Participation rate | 69.3% | 80.9%-11.6pp | 76.5%-7.2pp | 70.6%-1.2pp |
| Annual return | 257.57% | 25.03%+232.5pp | 29.46%+228.1pp | 31.26%+226.3pp |
| Employer contribution / active EE | $1,774 | $2,699-34.3% | $3,023-41.3% | $2,728-35.0% |
| Participant deferral / active EE | $5,268 | $5,147+2.3% | $5,055+4.2% | $4,651+13.3% |
| Admin fee / account holder | $3,334 | $236+1313.5% | $9,462-64.8% | $433+669.4% |