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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 | $44,962 | $101,653-55.8% | $147,080-69.4% | $74,459-39.6% |
| Participation rate | 69.2% | 75.6%-6.3pp | 82.2%-13.0pp | 67.2%+2.0pp |
| Annual return | 17.06% | 8754.98%-8737.9pp | 420.17%-403.1pp | 1369.70%-1352.6pp |
| Employer contribution / active EE | $2,406 | $3,813-36.9% | $4,933-51.2% | $2,626-8.4% |
| Participant deferral / active EE | $4,955 | $7,304-32.2% | $8,066-38.6% | $4,350+13.9% |
| Admin fee / account holder | $5,342 | $1,752+205.0% | $12,989-58.9% | $1,945+174.7% |