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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 | $34,667 | $44,984-22.9% | $85,009-59.2% | $74,546-53.5% |
| Participation rate | 62.6% | 49.4%+13.2pp | 67.5%-4.9pp | 67.2%-4.6pp |
| Annual return | 12.16% | 26.25%-14.1pp | 66.47%-54.3pp | 1366.03%-1353.9pp |
| Employer contribution / active EE | $860 | $1,458-41.0% | $2,728-68.5% | $2,624-67.2% |
| Participant deferral / active EE | $1,503 | $2,733-45.0% | $4,522-66.8% | $4,347-65.4% |
| Admin fee / account holder | $1,171 | $2,208-47.0% | $6,153-81.0% | $1,944-39.7% |