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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 | $30,406 | $59,448-48.9% | $93,696-67.5% | $74,459-59.2% |
| Participation rate | 45.1% | 59.6%-14.5pp | 68.7%-23.6pp | 67.2%-22.1pp |
| Annual return | 15.79% | 82.11%-66.3pp | 133.74%-118.0pp | 1369.70%-1353.9pp |
| Employer contribution / active EE | $929 | $1,266-26.6% | $2,422-61.6% | $2,626-64.6% |
| Participant deferral / active EE | $1,931 | $3,052-36.7% | $4,417-56.3% | $4,350-55.6% |
| Admin fee / account holder | $1,620 | $3,027-46.5% | $8,287-80.4% | $1,945-16.7% |