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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 | $40,986 | $101,591-59.7% | $147,096-72.1% | $74,429-44.9% |
| Participation rate | 54.8% | 75.5%-20.7pp | 82.2%-27.4pp | 67.2%-12.4pp |
| Annual return | 15.71% | 8746.45%-8730.7pp | 419.75%-404.0pp | 1368.38%-1352.7pp |
| Employer contribution / active EE | $1,552 | $3,813-59.3% | $4,936-68.6% | $2,625-40.9% |
| Participant deferral / active EE | $3,455 | $7,302-52.7% | $8,071-57.2% | $4,348-20.5% |
| Admin fee / account holder | $1,958 | $1,750+11.9% | $13,005-84.9% | $1,944+0.7% |