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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 | $35,912 | $52,961-32.2% | $172,752-79.2% | $65,185-44.9% |
| Participation rate | 65.4% | 66.2%-0.8pp | 82.6%-17.2pp | 70.2%-4.8pp |
| Annual return | 65.93% | 30.12%+35.8pp | 802.97%-737.0pp | 29.38%+36.5pp |
| Employer contribution / active EE | $1,114 | $2,190-49.1% | $5,144-78.3% | $2,177-48.8% |
| Participant deferral / active EE | $1,503 | $2,471-39.2% | $5,198-71.1% | $3,514-57.2% |
| Admin fee / account holder | $1,338 | $472+183.4% | $13,955-90.4% | $847+57.9% |