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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 | $35,874 | $79,045-54.6% | $100,378-64.3% | $74,429-51.8% |
| Participation rate | 55.8% | 79.4%-23.6pp | 81.5%-25.7pp | 67.2%-11.4pp |
| Annual return | 23.10% | 20.61%+2.5pp | 49.41%-26.3pp | 1368.38%-1345.3pp |
| Employer contribution / active EE | $3,528 | $3,015+17.0% | $3,942-10.5% | $2,625+34.4% |
| Participant deferral / active EE | $5,100 | $7,751-34.2% | $8,087-36.9% | $4,348+17.3% |
| Admin fee / account holder | $4,263 | $1,335+219.3% | $7,899-46.0% | $1,944+119.2% |