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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 | $56,325 | $79,209-28.9% | $102,434-45.0% | $74,459-24.4% |
| Participation rate | 51.2% | 74.8%-23.5pp | 76.5%-25.3pp | 67.2%-16.0pp |
| Annual return | 15.56% | 54.98%-39.4pp | 29.46%-13.9pp | 1369.70%-1354.1pp |
| Employer contribution / active EE | $1,245 | $2,362-47.3% | $3,023-58.8% | $2,626-52.6% |
| Participant deferral / active EE | $2,849 | $4,417-35.5% | $5,055-43.6% | $4,350-34.5% |
| Admin fee / account holder | $1,926 | $2,002-3.8% | $9,462-79.6% | $1,945-0.9% |