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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 | $39,338 | $80,763-51.3% | $102,412-61.6% | $74,459-47.2% |
| Participation rate | 68.3% | 65.7%+2.7pp | 74.5%-6.2pp | 67.2%+1.1pp |
| Annual return | 21.06% | 27.57%-6.5pp | 24.94%-3.9pp | 1369.70%-1348.6pp |
| Employer contribution / active EE | $3,141 | $3,160-0.6% | $3,870-18.8% | $2,626+19.6% |
| Participant deferral / active EE | $4,120 | $3,862+6.7% | $5,060-18.6% | $4,350-5.3% |
| Admin fee / account holder | $2,140 | $2,371-9.7% | $8,388-74.5% | $1,945+10.1% |