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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 | $27,063 | $53,165-49.1% | $86,209-68.6% | $74,440-63.6% |
| Participation rate | 24.9% | 64.9%-39.9pp | 69.0%-44.0pp | 70.7%-45.8pp |
| Annual return | 60.48% | 22.64%+37.8pp | 1169.05%-1108.6pp | 34.37%+26.1pp |
| Employer contribution / active EE | $919 | $1,210-24.0% | $2,381-61.4% | $2,638-65.2% |
| Participant deferral / active EE | $1,857 | $3,234-42.6% | $3,986-53.4% | $4,529-59.0% |
| Admin fee / account holder | $4,026 | $551+630.1% | $6,853-41.3% | $348+1057.4% |