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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 | $29,530 | $54,717-46.0% | $86,216-65.7% | $71,511-58.7% |
| Participation rate | 61.7% | 60.1%+1.6pp | 69.0%-7.3pp | 67.9%-6.3pp |
| Annual return | 17.60% | 20.07%-2.5pp | 1169.42%-1151.8pp | 28.86%-11.3pp |
| Employer contribution / active EE | $949 | $1,267-25.1% | $2,382-60.2% | $2,589-63.4% |
| Participant deferral / active EE | $2,727 | $3,110-12.3% | $3,986-31.6% | $4,291-36.4% |
| Admin fee / account holder | $7,305 | $1,922+280.0% | $6,853+6.6% | $1,588+359.9% |