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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 | $55,446-35.9% | $155,574-77.1% | $74,429-52.2% |
| Participation rate | 62.3% | 61.9%+0.4pp | 78.2%-15.9pp | 67.2%-4.9pp |
| Annual return | 18.05% | 269.20%-251.2pp | 64.87%-46.8pp | 1368.38%-1350.3pp |
| Employer contribution / active EE | $3,118 | $2,266+37.6% | $4,676-33.3% | $2,625+18.8% |
| Participant deferral / active EE | $6,210 | $2,836+119.0% | $5,629+10.3% | $4,348+42.8% |
| Admin fee / account holder | $6,421 | $1,743+268.4% | $15,914-59.6% | $1,944+230.3% |