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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 | $28,940 | $45,119-35.9% | $85,126-66.0% | $74,429-61.1% |
| Participation rate | 58.4% | 49.4%+9.1pp | 67.5%-9.1pp | 67.2%-8.8pp |
| Annual return | 236.57% | 26.28%+210.3pp | 66.63%+169.9pp | 1368.38%-1131.8pp |
| Employer contribution / active EE | $1,161 | $1,460-20.5% | $2,731-57.5% | $2,625-55.8% |
| Participant deferral / active EE | $2,165 | $2,738-20.9% | $4,523-52.1% | $4,348-50.2% |
| Admin fee / account holder | $2,158 | $2,214-2.5% | $6,160-65.0% | $1,944+11.0% |