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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 | $39,756 | $101,653-60.9% | $147,080-73.0% | $74,459-46.6% |
| Participation rate | 51.9% | 75.6%-23.7pp | 82.2%-30.3pp | 67.2%-15.3pp |
| Annual return | 73.61% | 8754.98%-8681.4pp | 420.17%-346.6pp | 1369.70%-1296.1pp |
| Employer contribution / active EE | $1,367 | $3,813-64.1% | $4,933-72.3% | $2,626-47.9% |
| Participant deferral / active EE | $4,738 | $7,304-35.1% | $8,066-41.3% | $4,350+8.9% |
| Admin fee / account holder | $1,753 | $1,752+0.1% | $12,989-86.5% | $1,945-9.9% |