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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 | $30,262 | $59,054-48.8% | $97,260-68.9% | $77,736-61.1% |
| Participation rate | 45.0% | 67.9%-22.9pp | 72.7%-27.6pp | 70.6%-25.6pp |
| Annual return | 143.98% | 16.96%+127.0pp | 75.54%+68.4pp | 31.26%+112.7pp |
| Employer contribution / active EE | $1,343 | $1,742-22.9% | $2,721-50.6% | $2,728-50.8% |
| Participant deferral / active EE | $2,653 | $3,930-32.5% | $4,262-37.7% | $4,651-42.9% |
| Admin fee / account holder | $1,435 | $346+314.6% | $5,640-74.6% | $433+231.2% |