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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 | $101,499-65.6% | $147,005-76.2% | $74,546-53.1% |
| Participation rate | 64.4% | 75.5%-11.1pp | 82.2%-17.8pp | 67.2%-2.8pp |
| Annual return | 23.03% | 8732.34%-8709.3pp | 418.76%-395.7pp | 1366.03%-1343.0pp |
| Employer contribution / active EE | $3,078 | $3,811-19.2% | $4,934-37.6% | $2,624+17.3% |
| Participant deferral / active EE | $7,172 | $7,304-1.8% | $8,070-11.1% | $4,347+65.0% |
| Admin fee / account holder | $5,614 | $1,748+221.2% | $13,006-56.8% | $1,944+188.9% |