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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 | $44,540 | $49,164-9.4% | $121,169-63.2% | $75,181-40.8% |
| Participation rate | 49.0% | 55.4%-6.4pp | 69.5%-20.5pp | 67.2%-18.2pp |
| Annual return | 19.13% | 56.03%-36.9pp | 986.71%-967.6pp | 160.69%-141.6pp |
| Employer contribution / active EE | $1,655 | $1,546+7.0% | $4,168-60.3% | $2,671-38.0% |
| Participant deferral / active EE | $3,793 | $2,628+44.3% | $4,083-7.1% | $4,126-8.1% |
| Admin fee / account holder | $3,994 | $3,942+1.3% | $5,645-29.3% | $5,650-29.3% |