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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 | $46,397 | $104,482-55.6% | $159,455-70.9% | $79,393-41.6% |
| Participation rate | 62.8% | 76.6%-13.8pp | 82.8%-20.0pp | 70.7%-7.9pp |
| Annual return | 25.68% | 67.96%-42.3pp | 263.63%-237.9pp | 116.87%-91.2pp |
| Employer contribution / active EE | $1,996 | $3,416-41.6% | $4,830-58.7% | $2,428-17.8% |
| Participant deferral / active EE | $4,425 | $6,467-31.6% | $7,353-39.8% | $4,046+9.4% |
| Admin fee / account holder | $7,081 | $711+895.7% | $10,800-34.4% | $627+1030.3% |