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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 | $20,891 | $61,356-66.0% | $149,696-86.0% | $71,511-70.8% |
| Participation rate | 46.2% | 62.5%-16.3pp | 78.8%-32.6pp | 67.9%-21.7pp |
| Annual return | 41.44% | 35.86%+5.6pp | 134.46%-93.0pp | 28.86%+12.6pp |
| Employer contribution / active EE | $1,625 | $2,382-31.8% | $4,821-66.3% | $2,589-37.2% |
| Participant deferral / active EE | $3,328 | $2,920+14.0% | $5,682-41.4% | $4,291-22.4% |
| Admin fee / account holder | $1,150 | $1,263-8.9% | $13,212-91.3% | $1,588-27.6% |