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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 | $46,575 | $26,936+72.9% | $53,647-13.2% | $71,012-34.4% |
| Participation rate | 26.6% | 21.9%+4.8pp | 56.3%-29.7pp | 58.6%-31.9pp |
| Annual return | 24.42% | 81.59%-57.2pp | 358.33%-333.9pp | 37.67%-13.3pp |
| Employer contribution / active EE | $494 | $335+47.6% | $962-48.6% | $2,348-78.9% |
| Participant deferral / active EE | $1,171 | $590+98.5% | $1,813-35.4% | $3,246-63.9% |
| Admin fee / account holder | $10,338 | $2,177+375.0% | $2,460+320.3% | $1,167+785.8% |