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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 | $40,189 | $55,423-27.5% | $155,602-74.2% | $74,400-46.0% |
| Participation rate | 47.8% | 61.9%-14.1pp | 78.2%-30.4pp | 67.2%-19.4pp |
| Annual return | 23.05% | 269.07%-246.0pp | 64.81%-41.8pp | 1367.51%-1344.5pp |
| Employer contribution / active EE | $1,687 | $2,266-25.5% | $4,675-63.9% | $2,624-35.7% |
| Participant deferral / active EE | $3,136 | $2,835+10.6% | $5,629-44.3% | $4,348-27.9% |
| Admin fee / account holder | $2,112 | $1,744+21.1% | $15,923-86.7% | $1,944+8.7% |