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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 | $34,117 | $75,183-54.6% | $123,894-72.5% | $55,167-38.2% |
| Participation rate | 56.6% | 72.8%-16.2pp | 81.4%-24.8pp | 69.0%-12.3pp |
| Annual return | 85.20% | 19.01%+66.2pp | 47.52%+37.7pp | 169.23%-84.0pp |
| Employer contribution / active EE | $1,593 | $2,823-43.6% | $4,617-65.5% | $1,963-18.8% |
| Participant deferral / active EE | $2,911 | $5,084-42.7% | $5,984-51.4% | $3,054-4.7% |
| Admin fee / account holder | $1,316 | $663+98.6% | $8,357-84.3% | $504+161.1% |