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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 | $46,090 | $54,674-15.7% | $76,089-39.4% | $74,429-38.1% |
| Participation rate | 66.7% | 60.3%+6.3pp | 69.1%-2.4pp | 67.2%-0.5pp |
| Annual return | 16.72% | 31.89%-15.2pp | 360.94%-344.2pp | 1368.38%-1351.7pp |
| Employer contribution / active EE | $956 | $1,781-46.3% | $2,690-64.5% | $2,625-63.6% |
| Participant deferral / active EE | $2,441 | $3,071-20.5% | $4,259-42.7% | $4,348-43.9% |
| Admin fee / account holder | $4,353 | $2,238+94.5% | $6,418-32.2% | $1,944+123.9% |