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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 | $55,472-72.2% | $155,567-90.1% | $74,546-79.3% |
| Participation rate | 59.6% | 61.9%-2.3pp | 78.2%-18.5pp | 67.2%-7.6pp |
| Annual return | 27.36% | 268.72%-241.4pp | 64.74%-37.4pp | 1366.03%-1338.7pp |
| Employer contribution / active EE | $1,203 | $2,269-47.0% | $4,674-74.3% | $2,624-54.1% |
| Participant deferral / active EE | $3,054 | $2,838+7.6% | $5,628-45.7% | $4,347-29.8% |
| Admin fee / account holder | $2,484 | $1,743+42.5% | $15,916-84.4% | $1,944+27.8% |