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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 | $32,479 | $55,446-41.4% | $155,574-79.1% | $74,429-56.4% |
| Participation rate | 32.4% | 61.9%-29.5pp | 78.2%-45.8pp | 67.2%-34.8pp |
| Annual return | 20.66% | 269.20%-248.5pp | 64.87%-44.2pp | 1368.38%-1347.7pp |
| Employer contribution / active EE | $1,237 | $2,266-45.4% | $4,676-73.5% | $2,625-52.9% |
| Participant deferral / active EE | $2,653 | $2,836-6.4% | $5,629-52.9% | $4,348-39.0% |
| Admin fee / account holder | $5,286 | $1,743+203.3% | $15,914-66.8% | $1,944+171.9% |