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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 | $59,456-29.9% | $93,669-55.5% | $74,429-44.0% |
| Participation rate | 49.2% | 59.6%-10.5pp | 68.7%-19.5pp | 67.2%-18.0pp |
| Annual return | 16.27% | 82.00%-65.7pp | 133.59%-117.3pp | 1368.38%-1352.1pp |
| Employer contribution / active EE | $1,458 | $1,266+15.2% | $2,424-39.8% | $2,625-44.5% |
| Participant deferral / active EE | $2,066 | $3,052-32.3% | $4,416-53.2% | $4,348-52.5% |
| Admin fee / account holder | $2,315 | $3,026-23.5% | $8,291-72.1% | $1,944+19.1% |