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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 | $42,778 | $69,771-38.7% | $67,524-36.6% | $74,400-42.5% |
| Participation rate | 59.1% | 71.4%-12.2pp | 72.9%-13.8pp | 67.2%-8.1pp |
| Annual return | 22.87% | -40.49%+63.4pp | 3519.41%-3496.5pp | 1367.51%-1344.6pp |
| Employer contribution / active EE | $1,506 | $2,710-44.4% | $2,734-44.9% | $2,624-42.6% |
| Participant deferral / active EE | $1,946 | $3,638-46.5% | $4,001-51.4% | $4,348-55.2% |
| Admin fee / account holder | $948 | $889+6.6% | $4,001-76.3% | $1,944-51.2% |