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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 | $50,898 | $79,223-35.8% | $102,460-50.3% | $74,478-31.7% |
| Participation rate | 64.4% | 74.8%-10.3pp | 76.5%-12.1pp | 67.2%-2.8pp |
| Annual return | 11.29% | 54.98%-43.7pp | 29.47%-18.2pp | 1370.56%-1359.3pp |
| Employer contribution / active EE | $1,695 | $2,363-28.3% | $3,025-44.0% | $2,626-35.5% |
| Participant deferral / active EE | $3,212 | $4,417-27.3% | $5,056-36.5% | $4,350-26.2% |
| Admin fee / account holder | $1,402 | $2,003-30.0% | $9,460-85.2% | $1,946-27.9% |