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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 | $63,644 | $101,653-37.4% | $147,080-56.7% | $74,459-14.5% |
| Participation rate | 44.3% | 75.6%-31.3pp | 82.2%-37.9pp | 67.2%-22.9pp |
| Annual return | 23.46% | 8754.98%-8731.5pp | 420.17%-396.7pp | 1369.70%-1346.2pp |
| Employer contribution / active EE | $2,050 | $3,813-46.2% | $4,933-58.4% | $2,626-21.9% |
| Participant deferral / active EE | $6,530 | $7,304-10.6% | $8,066-19.0% | $4,350+50.1% |
| Admin fee / account holder | $2,704 | $1,752+54.4% | $12,989-79.2% | $1,945+39.0% |