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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 | $55,748 | $122,042-54.3% | $184,260-69.7% | $74,459-25.1% |
| Participation rate | 63.6% | 85.5%-21.9pp | 86.8%-23.2pp | 67.2%-3.6pp |
| Annual return | 17.34% | 19.91%-2.6pp | 28.84%-11.5pp | 1369.70%-1352.4pp |
| Employer contribution / active EE | $2,719 | $4,537-40.1% | $6,427-57.7% | $2,626+3.6% |
| Participant deferral / active EE | $5,279 | $7,143-26.1% | $9,133-42.2% | $4,350+21.4% |
| Admin fee / account holder | $3,587 | $1,252+186.4% | $13,898-74.2% | $1,945+84.4% |