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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 | $50,747 | $104,479-51.4% | $159,474-68.2% | $79,391-36.1% |
| Participation rate | 66.9% | 76.6%-9.7pp | 82.8%-15.9pp | 70.7%-3.8pp |
| Annual return | 54.56% | 67.98%-13.4pp | 263.68%-209.1pp | 116.88%-62.3pp |
| Employer contribution / active EE | $2,189 | $3,417-35.9% | $4,831-54.7% | $2,428-9.8% |
| Participant deferral / active EE | $5,114 | $6,468-20.9% | $7,353-30.5% | $4,046+26.4% |
| Admin fee / account holder | $1,257 | $711+76.7% | $10,802-88.4% | $627+100.6% |