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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 | $29,375 | $54,558-46.2% | $76,051-61.4% | $74,400-60.5% |
| Participation rate | 54.6% | 60.3%-5.7pp | 69.1%-14.5pp | 67.2%-12.6pp |
| Annual return | 17.94% | 31.83%-13.9pp | 360.42%-342.5pp | 1367.51%-1349.6pp |
| Employer contribution / active EE | $711 | $1,778-60.0% | $2,690-73.6% | $2,624-72.9% |
| Participant deferral / active EE | $4,226 | $3,065+37.9% | $4,257-0.7% | $4,348-2.8% |
| Admin fee / account holder | $5,987 | $2,232+168.3% | $6,416-6.7% | $1,944+208.1% |