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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 | $31,602 | $43,133-26.7% | $89,435-64.7% | $73,497-57.0% |
| Participation rate | 62.9% | 55.0%+7.9pp | 68.0%-5.1pp | 70.7%-7.8pp |
| Annual return | 23.46% | 135.66%-112.2pp | 245.55%-222.1pp | 28.51%-5.0pp |
| Employer contribution / active EE | $2,148 | $1,438+49.4% | $2,587-17.0% | $2,270-5.4% |
| Participant deferral / active EE | $1,587 | $2,445-35.1% | $3,890-59.2% | $3,740-57.6% |
| Admin fee / account holder | $3,881 | $444+774.6% | $4,884-20.5% | $513+656.4% |