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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 | $25,427 | $51,736-50.9% | $120,225-78.9% | $67,986-62.6% |
| Participation rate | 56.7% | 46.1%+10.6pp | 69.6%-12.9pp | 57.2%-0.5pp |
| Annual return | 23.21% | 31.98%-8.8pp | 439.23%-416.0pp | 31.67%-8.5pp |
| Employer contribution / active EE | $1,553 | $1,071+44.9% | $3,475-55.3% | $2,019-23.1% |
| Participant deferral / active EE | $2,122 | $2,206-3.8% | $3,999-46.9% | $3,358-36.8% |
| Admin fee / account holder | $6,123 | $4,159+47.2% | $5,696+7.5% | $3,203+91.2% |