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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 | $39,330 | $101,672-61.3% | $147,117-73.3% | $74,478-47.2% |
| Participation rate | 62.8% | 75.5%-12.8pp | 82.2%-19.4pp | 67.2%-4.4pp |
| Annual return | 20.45% | 8757.83%-8737.4pp | 420.54%-400.1pp | 1370.56%-1350.1pp |
| Employer contribution / active EE | $2,406 | $3,813-36.9% | $4,932-51.2% | $2,626-8.4% |
| Participant deferral / active EE | $4,528 | $7,305-38.0% | $8,065-43.9% | $4,350+4.1% |
| Admin fee / account holder | $2,042 | $1,753+16.5% | $12,993-84.3% | $1,946+4.9% |