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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 | $59,456-48.9% | $93,681-67.5% | $74,400-59.1% |
| Participation rate | 45.1% | 59.6%-14.6pp | 68.7%-23.6pp | 67.2%-22.1pp |
| Annual return | 15.79% | 82.00%-66.2pp | 133.47%-117.7pp | 1367.51%-1351.7pp |
| Employer contribution / active EE | $929 | $1,266-26.6% | $2,422-61.6% | $2,624-64.6% |
| Participant deferral / active EE | $1,931 | $3,052-36.7% | $4,415-56.3% | $4,348-55.6% |
| Admin fee / account holder | $1,620 | $3,026-46.4% | $8,290-80.5% | $1,944-16.6% |