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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 | $101,653-65.6% | $147,080-76.2% | $74,459-53.1% |
| Participation rate | 64.4% | 75.6%-11.2pp | 82.2%-17.8pp | 67.2%-2.8pp |
| Annual return | 23.03% | 8754.98%-8731.9pp | 420.17%-397.1pp | 1369.70%-1346.7pp |
| Employer contribution / active EE | $3,078 | $3,813-19.3% | $4,933-37.6% | $2,626+17.2% |
| Participant deferral / active EE | $7,172 | $7,304-1.8% | $8,066-11.1% | $4,350+64.9% |
| Admin fee / account holder | $5,614 | $1,752+220.5% | $12,989-56.8% | $1,945+188.7% |