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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 | $29,569+10.8% | $56,077-41.6% | $77,714-57.8% |
| Participation rate | 34.2% | 32.6%+1.5pp | 52.5%-18.3pp | 70.6%-36.4pp |
| Annual return | 50.26% | 18.90%+31.4pp | 1709.28%-1659.0pp | 31.26%+19.0pp |
| Employer contribution / active EE | $699 | $569+22.9% | $1,040-32.8% | $2,727-74.4% |
| Participant deferral / active EE | $1,122 | $1,061+5.8% | $1,954-42.6% | $4,649-75.9% |
| Admin fee / account holder | $545 | $1,042-47.7% | $2,825-80.7% | $433+25.7% |