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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 | $44,962 | $101,499-55.7% | $147,005-69.4% | $74,546-39.7% |
| Participation rate | 69.2% | 75.5%-6.3pp | 82.2%-12.9pp | 67.2%+2.0pp |
| Annual return | 17.06% | 8732.34%-8715.3pp | 418.76%-401.7pp | 1366.03%-1349.0pp |
| Employer contribution / active EE | $2,406 | $3,811-36.9% | $4,934-51.2% | $2,624-8.3% |
| Participant deferral / active EE | $4,955 | $7,304-32.2% | $8,070-38.6% | $4,347+14.0% |
| Admin fee / account holder | $5,342 | $1,748+205.6% | $13,006-58.9% | $1,944+174.8% |