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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 | $122,051-54.3% | $184,185-69.7% | $74,400-25.1% |
| Participation rate | 63.6% | 85.5%-21.8pp | 86.8%-23.2pp | 67.2%-3.6pp |
| Annual return | 17.34% | 19.91%-2.6pp | 28.81%-11.5pp | 1367.51%-1350.2pp |
| Employer contribution / active EE | $2,719 | $4,539-40.1% | $6,426-57.7% | $2,624+3.6% |
| Participant deferral / active EE | $5,279 | $7,146-26.1% | $9,132-42.2% | $4,348+21.4% |
| Admin fee / account holder | $3,587 | $1,258+185.1% | $13,909-74.2% | $1,944+84.5% |