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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 | $42,378+12.9% | $78,004-38.7% | $71,012-32.6% |
| Participation rate | 56.9% | 46.9%+10.0pp | 69.4%-12.6pp | 58.6%-1.7pp |
| Annual return | 192.50% | 19.23%+173.3pp | 31.07%+161.4pp | 37.67%+154.8pp |
| Employer contribution / active EE | $1,421 | $1,375+3.3% | $2,469-42.4% | $2,348-39.5% |
| Participant deferral / active EE | $4,057 | $2,097+93.5% | $4,092-0.8% | $3,246+25.0% |
| Admin fee / account holder | $2,552 | $2,377+7.4% | $7,578-66.3% | $1,167+118.7% |