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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 | $55,472-35.5% | $155,567-77.0% | $74,546-52.0% |
| Participation rate | 35.5% | 61.9%-26.4pp | 78.2%-42.7pp | 67.2%-31.7pp |
| Annual return | 19.28% | 268.72%-249.4pp | 64.74%-45.5pp | 1366.03%-1346.7pp |
| Employer contribution / active EE | $1,808 | $2,269-20.3% | $4,674-61.3% | $2,624-31.1% |
| Participant deferral / active EE | $3,450 | $2,838+21.6% | $5,628-38.7% | $4,347-20.6% |
| Admin fee / account holder | $7,004 | $1,743+301.9% | $15,916-56.0% | $1,944+260.4% |