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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 | $33,106 | $45,123-26.6% | $85,240-61.2% | $74,478-55.5% |
| Participation rate | 68.4% | 49.4%+19.0pp | 67.5%+0.8pp | 67.2%+1.2pp |
| Annual return | 18.63% | 26.32%-7.7pp | 66.75%-48.1pp | 1370.56%-1351.9pp |
| Employer contribution / active EE | $1,903 | $1,459+30.5% | $2,735-30.4% | $2,626-27.5% |
| Participant deferral / active EE | $2,976 | $2,736+8.8% | $4,527-34.3% | $4,350-31.6% |
| Admin fee / account holder | $5,478 | $2,215+147.4% | $6,165-11.1% | $1,946+181.5% |