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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 | $23,584 | $54,679-56.9% | $76,119-69.0% | $74,459-68.3% |
| Participation rate | 48.4% | 60.3%-11.9pp | 69.1%-20.7pp | 67.2%-18.8pp |
| Annual return | 25.58% | 31.90%-6.3pp | 361.25%-335.7pp | 1369.70%-1344.1pp |
| Employer contribution / active EE | $1,252 | $1,781-29.7% | $2,693-53.5% | $2,626-52.3% |
| Participant deferral / active EE | $2,419 | $3,072-21.3% | $4,259-43.2% | $4,350-44.4% |
| Admin fee / account holder | $2,459 | $2,238+9.9% | $6,421-61.7% | $1,945+26.4% |