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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 | $55,015 | $48,432+13.6% | $121,204-54.6% | $71,511-23.1% |
| Participation rate | 62.1% | 54.3%+7.8pp | 69.5%-7.4pp | 67.9%-5.8pp |
| Annual return | 30.35% | 23.28%+7.1pp | 987.18%-956.8pp | 28.86%+1.5pp |
| Employer contribution / active EE | $5,947 | $1,493+298.3% | $4,170+42.6% | $2,589+129.7% |
| Participant deferral / active EE | $8,145 | $2,756+195.5% | $4,083+99.5% | $4,291+89.8% |
| Admin fee / account holder | $817 | $1,845-55.7% | $5,651-85.5% | $1,588-48.6% |