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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 | $20,235 | $60,261-66.4% | $81,783-75.3% | $74,546-72.9% |
| Participation rate | 64.2% | 62.9%+1.3pp | 72.4%-8.2pp | 67.2%-3.0pp |
| Annual return | 19.94% | 16.88%+3.1pp | 775.05%-755.1pp | 1366.03%-1346.1pp |
| Employer contribution / active EE | $1,263 | $2,622-51.8% | $2,913-56.7% | $2,624-51.9% |
| Participant deferral / active EE | $2,304 | $3,388-32.0% | $4,320-46.7% | $4,347-47.0% |
| Admin fee / account holder | $895 | $1,482-39.6% | $7,380-87.9% | $1,944-54.0% |