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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 | $34,957 | $101,591-65.6% | $147,096-76.2% | $74,429-53.0% |
| Participation rate | 64.4% | 75.5%-11.2pp | 82.2%-17.8pp | 67.2%-2.8pp |
| Annual return | 23.03% | 8746.45%-8723.4pp | 419.75%-396.7pp | 1368.38%-1345.4pp |
| Employer contribution / active EE | $3,078 | $3,813-19.3% | $4,936-37.6% | $2,625+17.3% |
| Participant deferral / active EE | $7,172 | $7,302-1.8% | $8,071-11.1% | $4,348+64.9% |
| Admin fee / account holder | $5,614 | $1,750+220.8% | $13,005-56.8% | $1,944+188.8% |