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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 | $46,666 | $41,151+13.4% | $80,648-42.1% | $71,529-34.8% |
| Participation rate | 65.9% | 50.2%+15.6pp | 67.0%-1.1pp | 67.9%-2.1pp |
| Annual return | 17.63% | 38.49%-20.9pp | 937.21%-919.6pp | 28.97%-11.3pp |
| Employer contribution / active EE | $1,693 | $1,513+11.9% | $2,724-37.8% | $2,590-34.6% |
| Participant deferral / active EE | $2,994 | $2,700+10.9% | $4,443-32.6% | $4,291-30.2% |
| Admin fee / account holder | $1,466 | $1,842-20.5% | $5,382-72.8% | $1,588-7.7% |