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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 | $39,330 | $101,591-61.3% | $147,096-73.3% | $74,429-47.2% |
| Participation rate | 62.8% | 75.5%-12.7pp | 82.2%-19.4pp | 67.2%-4.4pp |
| Annual return | 20.45% | 8746.45%-8726.0pp | 419.75%-399.3pp | 1368.38%-1347.9pp |
| Employer contribution / active EE | $2,406 | $3,813-36.9% | $4,936-51.3% | $2,625-8.3% |
| Participant deferral / active EE | $4,528 | $7,302-38.0% | $8,071-43.9% | $4,348+4.1% |
| Admin fee / account holder | $2,042 | $1,750+16.7% | $13,005-84.3% | $1,944+5.0% |