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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 | $29,679 | $59,448-50.1% | $93,696-68.3% | $74,459-60.1% |
| Participation rate | 58.9% | 59.6%-0.7pp | 68.7%-9.8pp | 67.2%-8.3pp |
| Annual return | 11.13% | 82.11%-71.0pp | 133.74%-122.6pp | 1369.70%-1358.6pp |
| Employer contribution / active EE | $1,892 | $1,266+49.4% | $2,422-21.9% | $2,626-27.9% |
| Participant deferral / active EE | $4,034 | $3,052+32.2% | $4,417-8.7% | $4,350-7.3% |
| Admin fee / account holder | $2,439 | $3,027-19.4% | $8,287-70.6% | $1,945+25.4% |