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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 | $38,163 | $79,223-51.8% | $102,460-62.8% | $74,478-48.8% |
| Participation rate | 61.0% | 74.8%-13.8pp | 76.5%-15.5pp | 67.2%-6.2pp |
| Annual return | 13.12% | 54.98%-41.9pp | 29.47%-16.4pp | 1370.56%-1357.4pp |
| Employer contribution / active EE | $1,974 | $2,363-16.5% | $3,025-34.8% | $2,626-24.9% |
| Participant deferral / active EE | $3,482 | $4,417-21.2% | $5,056-31.1% | $4,350-20.0% |
| Admin fee / account holder | $2,285 | $2,003+14.1% | $9,460-75.8% | $1,946+17.4% |