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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 | $58,214 | $55,446+5.0% | $155,574-62.6% | $74,429-21.8% |
| Participation rate | 41.0% | 61.9%-20.9pp | 78.2%-37.2pp | 67.2%-26.2pp |
| Annual return | 29.22% | 269.20%-240.0pp | 64.87%-35.6pp | 1368.38%-1339.2pp |
| Employer contribution / active EE | $3,118 | $2,266+37.6% | $4,676-33.3% | $2,625+18.8% |
| Participant deferral / active EE | $4,524 | $2,836+59.5% | $5,629-19.6% | $4,348+4.0% |
| Admin fee / account holder | $6,367 | $1,743+265.3% | $15,914-60.0% | $1,944+227.5% |