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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 | $14,509 | $41,150-64.7% | $80,627-82.0% | $71,511-79.7% |
| Participation rate | 57.3% | 50.3%+7.0pp | 67.0%-9.7pp | 67.9%-10.6pp |
| Annual return | 134.40% | 38.48%+95.9pp | 936.76%-802.4pp | 28.86%+105.5pp |
| Employer contribution / active EE | $692 | $1,515-54.3% | $2,723-74.6% | $2,589-73.3% |
| Participant deferral / active EE | $1,676 | $2,701-37.9% | $4,443-62.3% | $4,291-60.9% |
| Admin fee / account holder | $2,298 | $1,841+24.8% | $5,381-57.3% | $1,588+44.6% |