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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 | $37,768 | $91,439-58.7% | $135,974-72.2% | $71,511-47.2% |
| Participation rate | 65.5% | 75.7%-10.2pp | 81.9%-16.5pp | 67.9%-2.5pp |
| Annual return | 52.51% | 29.90%+22.6pp | 68.30%-15.8pp | 28.86%+23.7pp |
| Employer contribution / active EE | $2,674 | $3,705-27.8% | $4,859-45.0% | $2,589+3.3% |
| Participant deferral / active EE | $7,943 | $7,093+12.0% | $7,760+2.4% | $4,291+85.1% |
| Admin fee / account holder | $461 | $1,267-63.6% | $10,767-95.7% | $1,588-71.0% |