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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 | $47,851 | $36,198+32.2% | $94,215-49.2% | $65,191-26.6% |
| Participation rate | 56.9% | 43.6%+13.3pp | 70.0%-13.1pp | 63.0%-6.1pp |
| Annual return | 192.50% | 23.45%+169.0pp | 28.22%+164.3pp | 51.24%+141.3pp |
| Employer contribution / active EE | $1,421 | $1,189+19.5% | $2,675-46.9% | $2,400-40.8% |
| Participant deferral / active EE | $4,057 | $1,716+136.5% | $4,276-5.1% | $2,671+51.9% |
| Admin fee / account holder | $2,552 | $2,162+18.1% | $10,216-75.0% | $907+181.4% |