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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 | $45,344 | $65,084-30.3% | $67,681-33.0% | $64,340-29.5% |
| Participation rate | 65.1% | 66.7%-1.6pp | 73.7%-8.6pp | 55.2%+9.9pp |
| Annual return | 35.66% | 20.50%+15.2pp | 590.58%-554.9pp | 24.14%+11.5pp |
| Employer contribution / active EE | $3,856 | $2,398+60.8% | $2,678+44.0% | $1,862+107.1% |
| Participant deferral / active EE | $5,151 | $3,210+60.4% | $3,976+29.6% | $2,980+72.8% |
| Admin fee / account holder | $2,053 | $1,415+45.1% | $6,100-66.3% | $3,703-44.5% |