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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 | $28,397 | $88,360-67.9% | $145,433-80.5% | $67,986-58.2% |
| Participation rate | 67.2% | 65.5%+1.7pp | 82.1%-14.9pp | 57.2%+10.0pp |
| Annual return | 57.48% | 63.15%-5.7pp | 66.58%-9.1pp | 31.67%+25.8pp |
| Employer contribution / active EE | $1,398 | $3,054-54.2% | $4,554-69.3% | $2,019-30.7% |
| Participant deferral / active EE | $7,439 | $5,932+25.4% | $7,897-5.8% | $3,358+121.5% |
| Admin fee / account holder | $4,205 | $3,313+26.9% | $13,129-68.0% | $3,203+31.3% |