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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 | $15,124 | $55,446-72.7% | $155,574-90.3% | $74,429-79.7% |
| Participation rate | 47.8% | 61.9%-14.1pp | 78.2%-30.4pp | 67.2%-19.4pp |
| Annual return | 31.07% | 269.20%-238.1pp | 64.87%-33.8pp | 1368.38%-1337.3pp |
| Employer contribution / active EE | $865 | $2,266-61.8% | $4,676-81.5% | $2,625-67.0% |
| Participant deferral / active EE | $1,585 | $2,836-44.1% | $5,629-71.8% | $4,348-63.5% |
| Admin fee / account holder | $1,282 | $1,743-26.4% | $15,914-91.9% | $1,944-34.0% |