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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 | $53,174 | $101,539-47.6% | $147,041-63.8% | $74,400-28.5% |
| Participation rate | 61.7% | 75.5%-13.8pp | 82.2%-20.5pp | 67.2%-5.5pp |
| Annual return | 30.28% | 8740.84%-8710.6pp | 419.21%-388.9pp | 1367.51%-1337.2pp |
| Employer contribution / active EE | $0 | $3,811-100.0% | $4,935-100.0% | $2,624-100.0% |
| Participant deferral / active EE | $10,139 | $7,304+38.8% | $8,071+25.6% | $4,348+133.2% |
| Admin fee / account holder | $5,562 | $1,749+218.0% | $13,006-57.2% | $1,944+186.2% |