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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 | $40,125 | $69,774-42.5% | $67,561-40.6% | $74,429-46.1% |
| Participation rate | 69.0% | 71.4%-2.3pp | 72.9%-3.9pp | 67.2%+1.8pp |
| Annual return | 13.86% | -40.53%+54.4pp | 3525.44%-3511.6pp | 1368.38%-1354.5pp |
| Employer contribution / active EE | $899 | $2,710-66.8% | $2,735-67.1% | $2,625-65.7% |
| Participant deferral / active EE | $1,473 | $3,636-59.5% | $4,003-63.2% | $4,348-66.1% |
| Admin fee / account holder | $742 | $890-16.6% | $4,006-81.5% | $1,944-61.8% |