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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 | $50,945 | $101,653-49.9% | $147,080-65.4% | $74,459-31.6% |
| Participation rate | 68.5% | 75.6%-7.1pp | 82.2%-13.7pp | 67.2%+1.2pp |
| Annual return | 18.62% | 8754.98%-8736.4pp | 420.17%-401.6pp | 1369.70%-1351.1pp |
| Employer contribution / active EE | $3,083 | $3,813-19.1% | $4,933-37.5% | $2,626+17.4% |
| Participant deferral / active EE | $7,081 | $7,304-3.1% | $8,066-12.2% | $4,350+62.8% |
| Admin fee / account holder | $2,922 | $1,752+66.8% | $12,989-77.5% | $1,945+50.2% |