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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 | $22,265 | $52,581-57.7% | $130,788-83.0% | $64,340-65.4% |
| Participation rate | 61.6% | 46.5%+15.1pp | 70.1%-8.5pp | 55.2%+6.4pp |
| Annual return | 66.98% | 20.39%+46.6pp | 386.44%-319.5pp | 24.14%+42.8pp |
| Employer contribution / active EE | $1,907 | $1,031+84.9% | $3,558-46.4% | $1,862+2.4% |
| Participant deferral / active EE | $4,524 | $2,200+105.6% | $4,137+9.3% | $2,980+51.8% |
| Admin fee / account holder | $1,277 | $4,583-72.1% | $6,673-80.9% | $3,703-65.5% |