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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 | $31,436 | $75,183-58.2% | $123,894-74.6% | $55,167-43.0% |
| Participation rate | 58.1% | 72.8%-14.7pp | 81.4%-23.3pp | 69.0%-10.9pp |
| Annual return | 58.17% | 19.01%+39.2pp | 47.52%+10.6pp | 169.23%-111.1pp |
| Employer contribution / active EE | $2,651 | $2,823-6.1% | $4,617-42.6% | $1,963+35.1% |
| Participant deferral / active EE | $6,727 | $5,084+32.3% | $5,984+12.4% | $3,054+120.3% |
| Admin fee / account holder | $1,791 | $663+170.4% | $8,357-78.6% | $504+255.5% |