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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 | $26,553 | $55,472-52.1% | $155,567-82.9% | $74,546-64.4% |
| Participation rate | 62.0% | 61.9%+0.1pp | 78.2%-16.1pp | 67.2%-5.2pp |
| Annual return | 34.04% | 268.72%-234.7pp | 64.74%-30.7pp | 1366.03%-1332.0pp |
| Employer contribution / active EE | $2,251 | $2,269-0.8% | $4,674-51.8% | $2,624-14.2% |
| Participant deferral / active EE | $4,498 | $2,838+58.5% | $5,628-20.1% | $4,347+3.5% |
| Admin fee / account holder | $1,787 | $1,743+2.6% | $15,916-88.8% | $1,944-8.0% |