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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 | $40,917 | $60,393-32.2% | $81,820-50.0% | $74,429-45.0% |
| Participation rate | 47.5% | 62.9%-15.4pp | 72.4%-24.9pp | 67.2%-19.7pp |
| Annual return | 84.75% | 16.89%+67.9pp | 777.93%-693.2pp | 1368.38%-1283.6pp |
| Employer contribution / active EE | $1,593 | $2,626-39.4% | $2,915-45.4% | $2,625-39.3% |
| Participant deferral / active EE | $2,488 | $3,397-26.8% | $4,323-42.4% | $4,348-42.8% |
| Admin fee / account holder | $2,610 | $1,491+75.1% | $7,391-64.7% | $1,944+34.2% |