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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 | $45,903 | $101,672-54.9% | $147,117-68.8% | $74,478-38.4% |
| Participation rate | 63.9% | 75.5%-11.7pp | 82.2%-18.3pp | 67.2%-3.4pp |
| Annual return | 101.99% | 8757.83%-8655.8pp | 420.54%-318.5pp | 1370.56%-1268.6pp |
| Employer contribution / active EE | $2,489 | $3,813-34.7% | $4,932-49.5% | $2,626-5.2% |
| Participant deferral / active EE | $5,374 | $7,305-26.4% | $8,065-33.4% | $4,350+23.5% |
| Admin fee / account holder | $6,983 | $1,753+298.3% | $12,993-46.3% | $1,946+258.9% |