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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 | $34,810 | $61,338-43.2% | $149,717-76.7% | $71,495-51.3% |
| Participation rate | 69.4% | 62.5%+6.8pp | 78.8%-9.4pp | 67.9%+1.4pp |
| Annual return | 42.22% | 35.86%+6.4pp | 134.41%-92.2pp | 28.85%+13.4pp |
| Employer contribution / active EE | $2,351 | $2,381-1.3% | $4,820-51.2% | $2,589-9.2% |
| Participant deferral / active EE | $5,029 | $2,919+72.3% | $5,682-11.5% | $4,291+17.2% |
| Admin fee / account holder | $2,738 | $1,263+116.8% | $13,213-79.3% | $1,588+72.4% |