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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 | $53,798 | $54,717-1.7% | $86,216-37.6% | $71,511-24.8% |
| Participation rate | 48.2% | 60.1%-11.9pp | 69.0%-20.8pp | 67.9%-19.8pp |
| Annual return | 19.52% | 20.07%-0.6pp | 1169.42%-1149.9pp | 28.86%-9.3pp |
| Employer contribution / active EE | $821 | $1,267-35.2% | $2,382-65.5% | $2,589-68.3% |
| Participant deferral / active EE | $2,209 | $3,110-29.0% | $3,986-44.6% | $4,291-48.5% |
| Admin fee / account holder | $1,771 | $1,922-7.9% | $6,853-74.2% | $1,588+11.5% |