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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 | $20,444 | $42,909-52.4% | $152,093-86.6% | $71,012-71.2% |
| Participation rate | 47.9% | 54.7%-6.8pp | 77.8%-29.9pp | 58.6%-10.7pp |
| Annual return | 78.46% | 30.57%+47.9pp | 66.36%+12.1pp | 37.67%+40.8pp |
| Employer contribution / active EE | $1,414 | $1,369+3.3% | $4,175-66.1% | $2,348-39.8% |
| Participant deferral / active EE | $2,751 | $1,904+44.5% | $5,451-49.5% | $3,246-15.2% |
| Admin fee / account holder | $702 | $1,014-30.8% | $14,497-95.2% | $1,167-39.9% |