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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 | $35,796 | $55,470-35.5% | $155,556-77.0% | $74,478-51.9% |
| Participation rate | 35.5% | 61.9%-26.4pp | 78.2%-42.7pp | 67.2%-31.7pp |
| Annual return | 19.28% | 269.80%-250.5pp | 64.84%-45.6pp | 1370.56%-1351.3pp |
| Employer contribution / active EE | $1,808 | $2,267-20.2% | $4,675-61.3% | $2,626-31.2% |
| Participant deferral / active EE | $3,450 | $2,838+21.6% | $5,631-38.7% | $4,350-20.7% |
| Admin fee / account holder | $7,004 | $1,744+301.5% | $15,885-55.9% | $1,946+259.9% |