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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 | $42,278 | $80,674-47.6% | $119,126-64.5% | $64,340-34.3% |
| Participation rate | 63.2% | 55.2%+8.0pp | 75.8%-12.6pp | 55.2%+8.0pp |
| Annual return | 21.71% | 26.86%-5.2pp | 282.11%-260.4pp | 24.14%-2.4pp |
| Employer contribution / active EE | $2,785 | $2,564+8.6% | $4,034-31.0% | $1,862+49.6% |
| Participant deferral / active EE | $6,066 | $3,053+98.7% | $5,318+14.1% | $2,980+103.5% |
| Admin fee / account holder | $6,043 | $4,559+32.6% | $10,693-43.5% | $3,703+63.2% |