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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 | $35,425 | $59,402-40.4% | $93,654-62.2% | $74,546-52.5% |
| Participation rate | 44.3% | 59.7%-15.3pp | 68.7%-24.4pp | 67.2%-22.9pp |
| Annual return | 11.42% | 81.86%-70.4pp | 133.34%-121.9pp | 1366.03%-1354.6pp |
| Employer contribution / active EE | $1,760 | $1,265+39.2% | $2,421-27.3% | $2,624-32.9% |
| Participant deferral / active EE | $1,942 | $3,049-36.3% | $4,413-56.0% | $4,347-55.3% |
| Admin fee / account holder | $1,587 | $3,023-47.5% | $8,282-80.8% | $1,944-18.4% |