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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 | $44,984-26.4% | $85,009-61.1% | $74,546-55.6% |
| Participation rate | 68.4% | 49.4%+19.0pp | 67.5%+0.9pp | 67.2%+1.2pp |
| Annual return | 18.63% | 26.25%-7.6pp | 66.47%-47.8pp | 1366.03%-1347.4pp |
| Employer contribution / active EE | $1,903 | $1,458+30.5% | $2,728-30.3% | $2,624-27.5% |
| Participant deferral / active EE | $2,976 | $2,733+8.9% | $4,522-34.2% | $4,347-31.5% |
| Admin fee / account holder | $5,478 | $2,208+148.1% | $6,153-11.0% | $1,944+181.9% |