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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 | $82,133-65.4% | $147,318-80.7% | $64,097-55.7% |
| Participation rate | 67.2% | 62.3%+4.9pp | 82.1%-14.9pp | 55.2%+12.0pp |
| Annual return | 57.48% | 78.78%-21.3pp | 70.43%-13.0pp | 34.64%+22.8pp |
| Employer contribution / active EE | $1,398 | $2,872-51.3% | $4,593-69.6% | $1,891-26.1% |
| Participant deferral / active EE | $7,439 | $5,407+37.6% | $7,906-5.9% | $3,080+141.5% |
| Admin fee / account holder | $4,205 | $3,730+12.7% | $13,708-69.3% | $3,454+21.7% |