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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 | $55,446-52.1% | $155,574-82.9% | $74,429-64.3% |
| Participation rate | 62.0% | 61.9%+0.1pp | 78.2%-16.2pp | 67.2%-5.2pp |
| Annual return | 34.04% | 269.20%-235.2pp | 64.87%-30.8pp | 1368.38%-1334.3pp |
| Employer contribution / active EE | $2,251 | $2,266-0.7% | $4,676-51.9% | $2,625-14.2% |
| Participant deferral / active EE | $4,498 | $2,836+58.6% | $5,629-20.1% | $4,348+3.4% |
| Admin fee / account holder | $1,787 | $1,743+2.5% | $15,914-88.8% | $1,944-8.1% |