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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 | $39,312 | $58,655-33.0% | $91,994-57.3% | $65,186-39.7% |
| Participation rate | 55.1% | 75.3%-20.2pp | 78.6%-23.6pp | 70.2%-15.1pp |
| Annual return | 82.12% | 33.92%+48.2pp | 69.04%+13.1pp | 29.39%+52.7pp |
| Employer contribution / active EE | $1,298 | $2,080-37.6% | $3,453-62.4% | $2,177-40.4% |
| Participant deferral / active EE | $6,649 | $5,474+21.5% | $5,924+12.2% | $3,514+89.2% |
| Admin fee / account holder | $1,613 | $434+271.4% | $7,744-79.2% | $847+90.4% |