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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 | $49,910 | $41,150+21.3% | $80,627-38.1% | $71,511-30.2% |
| Participation rate | 33.3% | 50.3%-16.9pp | 67.0%-33.7pp | 67.9%-34.6pp |
| Annual return | 15.75% | 38.48%-22.7pp | 936.76%-921.0pp | 28.86%-13.1pp |
| Employer contribution / active EE | $728 | $1,515-52.0% | $2,723-73.3% | $2,589-71.9% |
| Participant deferral / active EE | $2,100 | $2,701-22.3% | $4,443-52.7% | $4,291-51.1% |
| Admin fee / account holder | $9,412 | $1,841+411.2% | $5,381+74.9% | $1,588+492.5% |