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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 | $32,765 | $29,546+10.9% | $56,441-41.9% | $77,671-57.8% |
| Participation rate | 34.2% | 32.7%+1.5pp | 52.5%-18.3pp | 70.6%-36.4pp |
| Annual return | 50.26% | 19.01%+31.2pp | 1704.21%-1654.0pp | 31.21%+19.1pp |
| Employer contribution / active EE | $699 | $568+23.0% | $1,039-32.7% | $2,726-74.4% |
| Participant deferral / active EE | $1,122 | $1,061+5.8% | $1,953-42.5% | $4,648-75.9% |
| Admin fee / account holder | $545 | $1,046-47.9% | $2,829-80.7% | $430+26.5% |