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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 | $49,401 | $79,184-37.6% | $102,438-51.8% | $74,546-33.7% |
| Participation rate | 51.5% | 74.8%-23.3pp | 76.5%-25.0pp | 67.2%-15.7pp |
| Annual return | 16.76% | 54.95%-38.2pp | 29.37%-12.6pp | 1366.03%-1349.3pp |
| Employer contribution / active EE | $1,404 | $2,362-40.6% | $3,024-53.6% | $2,624-46.5% |
| Participant deferral / active EE | $2,305 | $4,414-47.8% | $5,054-54.4% | $4,347-47.0% |
| Admin fee / account holder | $2,856 | $2,001+42.7% | $9,448-69.8% | $1,944+46.9% |