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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 | $41,676 | $59,467-29.9% | $93,727-55.5% | $74,478-44.0% |
| Participation rate | 49.2% | 59.6%-10.4pp | 68.7%-19.5pp | 67.2%-18.0pp |
| Annual return | 16.27% | 82.14%-65.9pp | 133.83%-117.6pp | 1370.56%-1354.3pp |
| Employer contribution / active EE | $1,458 | $1,267+15.1% | $2,421-39.8% | $2,626-44.5% |
| Participant deferral / active EE | $2,066 | $3,052-32.3% | $4,417-53.2% | $4,350-52.5% |
| Admin fee / account holder | $2,315 | $3,028-23.5% | $8,292-72.1% | $1,946+19.0% |