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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 | $36,241 | $101,653-64.3% | $147,080-75.4% | $74,459-51.3% |
| Participation rate | 49.6% | 75.6%-26.0pp | 82.2%-32.6pp | 67.2%-17.7pp |
| Annual return | 35.89% | 8754.98%-8719.1pp | 420.17%-384.3pp | 1369.70%-1333.8pp |
| Employer contribution / active EE | $2,289 | $3,813-40.0% | $4,933-53.6% | $2,626-12.8% |
| Participant deferral / active EE | $4,648 | $7,304-36.4% | $8,066-42.4% | $4,350+6.9% |
| Admin fee / account holder | $2,101 | $1,752+20.0% | $12,989-83.8% | $1,945+8.0% |