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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 | $35,558 | $55,437-35.9% | $155,534-77.1% | $74,459-52.2% |
| Participation rate | 62.3% | 61.9%+0.4pp | 78.2%-15.9pp | 67.2%-4.9pp |
| Annual return | 18.05% | 269.58%-251.5pp | 64.92%-46.9pp | 1369.70%-1351.7pp |
| Employer contribution / active EE | $3,118 | $2,266+37.6% | $4,675-33.3% | $2,626+18.7% |
| Participant deferral / active EE | $6,210 | $2,837+118.9% | $5,630+10.3% | $4,350+42.8% |
| Admin fee / account holder | $6,421 | $1,742+268.5% | $15,900-59.6% | $1,945+230.2% |