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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 | $51,736-57.0% | $120,225-81.5% | $67,986-67.2% |
| Participation rate | 61.6% | 46.1%+15.6pp | 69.6%-7.9pp | 57.2%+4.4pp |
| Annual return | 66.98% | 31.98%+35.0pp | 439.23%-372.2pp | 31.67%+35.3pp |
| Employer contribution / active EE | $1,907 | $1,071+77.9% | $3,475-45.1% | $2,019-5.6% |
| Participant deferral / active EE | $4,524 | $2,206+105.1% | $3,999+13.1% | $3,358+34.7% |
| Admin fee / account holder | $1,277 | $4,159-69.3% | $5,696-77.6% | $3,203-60.1% |