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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 | $37,675 | $101,591-62.9% | $147,096-74.4% | $74,429-49.4% |
| Participation rate | 41.8% | 75.5%-33.7pp | 82.2%-40.4pp | 67.2%-25.4pp |
| Annual return | 18.70% | 8746.45%-8727.8pp | 419.75%-401.1pp | 1368.38%-1349.7pp |
| Employer contribution / active EE | $1,068 | $3,813-72.0% | $4,936-78.4% | $2,625-59.3% |
| Participant deferral / active EE | $3,179 | $7,302-56.5% | $8,071-60.6% | $4,348-26.9% |
| Admin fee / account holder | $2,494 | $1,750+42.5% | $13,005-80.8% | $1,944+28.3% |