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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 | $45,126-26.6% | $85,187-61.1% | $74,459-55.5% |
| Participation rate | 68.4% | 49.4%+19.0pp | 67.5%+0.9pp | 67.2%+1.2pp |
| Annual return | 18.63% | 26.30%-7.7pp | 66.67%-48.0pp | 1369.70%-1351.1pp |
| Employer contribution / active EE | $1,903 | $1,460+30.3% | $2,732-30.4% | $2,626-27.5% |
| Participant deferral / active EE | $2,976 | $2,738+8.7% | $4,525-34.2% | $4,350-31.6% |
| Admin fee / account holder | $5,478 | $2,212+147.7% | $6,162-11.1% | $1,945+181.7% |