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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 | $71,051 | $78,562-9.6% | $105,608-32.7% | $74,429-4.5% |
| Participation rate | 53.3% | 72.8%-19.5pp | 75.3%-22.0pp | 67.2%-14.0pp |
| Annual return | 17.93% | 15.94%+2.0pp | 116.50%-98.6pp | 1368.38%-1350.5pp |
| Employer contribution / active EE | $1,652 | $2,521-34.5% | $3,167-47.8% | $2,625-37.1% |
| Participant deferral / active EE | $3,151 | $4,321-27.1% | $5,010-37.1% | $4,348-27.5% |
| Admin fee / account holder | $2,404 | $2,217+8.5% | $11,028-78.2% | $1,944+23.7% |