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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 | $44,229 | $60,504-26.9% | $81,882-46.0% | $74,478-40.6% |
| Participation rate | 66.9% | 62.9%+4.0pp | 72.4%-5.4pp | 67.2%-0.3pp |
| Annual return | 17.98% | 16.91%+1.1pp | 779.47%-761.5pp | 1370.56%-1352.6pp |
| Employer contribution / active EE | $3,160 | $2,627+20.3% | $2,916+8.4% | $2,626+20.3% |
| Participant deferral / active EE | $4,462 | $3,400+31.3% | $4,323+3.2% | $4,350+2.6% |
| Admin fee / account holder | $1,543 | $1,492+3.4% | $7,360-79.0% | $1,946-20.7% |