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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 | $37,778 | $59,006-36.0% | $97,260-61.2% | $74,459-49.3% |
| Participation rate | 65.0% | 63.7%+1.3pp | 72.7%-7.7pp | 67.2%-2.3pp |
| Annual return | 12.68% | 16.04%-3.4pp | 75.54%-62.9pp | 1369.70%-1357.0pp |
| Employer contribution / active EE | $2,382 | $1,894+25.8% | $2,721-12.5% | $2,626-9.3% |
| Participant deferral / active EE | $3,361 | $3,671-8.4% | $4,262-21.1% | $4,350-22.7% |
| Admin fee / account holder | $7,052 | $1,974+257.2% | $5,640+25.0% | $1,945+262.6% |