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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 | $40,986 | $101,499-59.6% | $147,005-72.1% | $74,546-45.0% |
| Participation rate | 54.8% | 75.5%-20.7pp | 82.2%-27.4pp | 67.2%-12.4pp |
| Annual return | 15.71% | 8732.34%-8716.6pp | 418.76%-403.1pp | 1366.03%-1350.3pp |
| Employer contribution / active EE | $1,552 | $3,811-59.3% | $4,934-68.6% | $2,624-40.9% |
| Participant deferral / active EE | $3,455 | $7,304-52.7% | $8,070-57.2% | $4,347-20.5% |
| Admin fee / account holder | $1,958 | $1,748+12.0% | $13,006-84.9% | $1,944+0.7% |