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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 | $32,299 | $84,493-61.8% | $125,381-74.2% | $66,938-51.7% |
| Participation rate | 69.7% | 76.4%-6.7pp | 82.4%-12.7pp | 69.8%-0.1pp |
| Annual return | -18.06% | -8.49%-9.6pp | 572.31%-590.4pp | 1.58%-19.6pp |
| Employer contribution / active EE | $3,604 | $3,554+1.4% | $4,815-25.2% | $2,545+41.6% |
| Participant deferral / active EE | $8,082 | $6,783+19.1% | $7,448+8.5% | $4,238+90.7% |
| Admin fee / account holder | $2,722 | $685+297.4% | $10,007-72.8% | $594+358.6% |