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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 | $35,379 | $82,133-56.9% | $147,318-76.0% | $64,097-44.8% |
| Participation rate | 64.4% | 62.3%+2.1pp | 82.1%-17.7pp | 55.2%+9.2pp |
| Annual return | 34.48% | 78.78%-44.3pp | 70.43%-36.0pp | 34.64%-0.2pp |
| Employer contribution / active EE | $2,031 | $2,872-29.3% | $4,593-55.8% | $1,891+7.4% |
| Participant deferral / active EE | $3,818 | $5,407-29.4% | $7,906-51.7% | $3,080+24.0% |
| Admin fee / account holder | $1,669 | $3,730-55.3% | $13,708-87.8% | $3,454-51.7% |