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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 | $78,426 | $101,591-22.8% | $147,096-46.7% | $74,429+5.4% |
| Participation rate | 58.2% | 75.5%-17.3pp | 82.2%-23.9pp | 67.2%-9.0pp |
| Annual return | 27.08% | 8746.45%-8719.4pp | 419.75%-392.7pp | 1368.38%-1341.3pp |
| Employer contribution / active EE | $2,283 | $3,813-40.1% | $4,936-53.7% | $2,625-13.0% |
| Participant deferral / active EE | $3,567 | $7,302-51.1% | $8,071-55.8% | $4,348-18.0% |
| Admin fee / account holder | $2,964 | $1,750+69.4% | $13,005-77.2% | $1,944+52.5% |