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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 | $15,878 | $34,932-54.5% | $56,441-71.9% | $74,546-78.7% |
| Participation rate | 51.3% | 32.9%+18.4pp | 52.5%-1.2pp | 67.2%-16.0pp |
| Annual return | 18.99% | 24.90%-5.9pp | 1704.21%-1685.2pp | 1366.03%-1347.0pp |
| Employer contribution / active EE | $675 | $608+10.9% | $1,039-35.1% | $2,624-74.3% |
| Participant deferral / active EE | $1,217 | $1,173+3.7% | $1,953-37.7% | $4,347-72.0% |
| Admin fee / account holder | $1,691 | $2,359-28.3% | $2,829-40.2% | $1,944-13.0% |