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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 | $57,873 | $45,119+28.3% | $85,126-32.0% | $74,429-22.2% |
| Participation rate | 68.0% | 49.4%+18.6pp | 67.5%+0.5pp | 67.2%+0.8pp |
| Annual return | 13.98% | 26.28%-12.3pp | 66.63%-52.7pp | 1368.38%-1354.4pp |
| Employer contribution / active EE | $2,275 | $1,460+55.8% | $2,731-16.7% | $2,625-13.3% |
| Participant deferral / active EE | $4,270 | $2,738+56.0% | $4,523-5.6% | $4,348-1.8% |
| Admin fee / account holder | $3,357 | $2,214+51.6% | $6,160-45.5% | $1,944+72.7% |