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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 | $15,444 | $55,446-72.1% | $155,574-90.1% | $74,429-79.2% |
| Participation rate | 59.6% | 61.9%-2.3pp | 78.2%-18.6pp | 67.2%-7.6pp |
| Annual return | 27.36% | 269.20%-241.8pp | 64.87%-37.5pp | 1368.38%-1341.0pp |
| Employer contribution / active EE | $1,203 | $2,266-46.9% | $4,676-74.3% | $2,625-54.2% |
| Participant deferral / active EE | $3,054 | $2,836+7.7% | $5,629-45.8% | $4,348-29.8% |
| Admin fee / account holder | $2,484 | $1,743+42.5% | $15,914-84.4% | $1,944+27.8% |