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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 | $34,489 | $55,470-37.8% | $155,556-77.8% | $74,478-53.7% |
| Participation rate | 67.3% | 61.9%+5.4pp | 78.2%-10.9pp | 67.2%+0.1pp |
| Annual return | 11.25% | 269.80%-258.6pp | 64.84%-53.6pp | 1370.56%-1359.3pp |
| Employer contribution / active EE | $1,622 | $2,267-28.4% | $4,675-65.3% | $2,626-38.2% |
| Participant deferral / active EE | $2,327 | $2,838-18.0% | $5,631-58.7% | $4,350-46.5% |
| Admin fee / account holder | $1,738 | $1,744-0.4% | $15,885-89.1% | $1,946-10.7% |