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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 | $55,564 | $55,437+0.2% | $155,534-64.3% | $74,459-25.4% |
| Participation rate | 66.1% | 61.9%+4.2pp | 78.2%-12.1pp | 67.2%-1.1pp |
| Annual return | 20.47% | 269.58%-249.1pp | 64.92%-44.4pp | 1369.70%-1349.2pp |
| Employer contribution / active EE | $1,557 | $2,266-31.3% | $4,675-66.7% | $2,626-40.7% |
| Participant deferral / active EE | $3,334 | $2,837+17.5% | $5,630-40.8% | $4,350-23.4% |
| Admin fee / account holder | $603 | $1,742-65.4% | $15,900-96.2% | $1,945-69.0% |