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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 | $30,837 | $41,150-25.1% | $80,607-61.7% | $71,495-56.9% |
| Participation rate | 67.6% | 50.3%+17.3pp | 67.0%+0.6pp | 67.9%-0.3pp |
| Annual return | 34.50% | 38.48%-4.0pp | 936.11%-901.6pp | 28.85%+5.7pp |
| Employer contribution / active EE | $2,510 | $1,515+65.6% | $2,724-7.9% | $2,589-3.1% |
| Participant deferral / active EE | $4,986 | $2,701+84.6% | $4,448+12.1% | $4,291+16.2% |
| Admin fee / account holder | $1,053 | $1,841-42.8% | $5,379-80.4% | $1,588-33.7% |