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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 | $72,765 | $61,605+18.1% | $112,273-35.2% | $75,181-3.2% |
| Participation rate | 58.9% | 61.7%-2.7pp | 72.4%-13.5pp | 67.2%-8.3pp |
| Annual return | 247.06% | 28.47%+218.6pp | 30.23%+216.8pp | 160.69%+86.4pp |
| Employer contribution / active EE | $2,988 | $2,015+48.3% | $3,431-12.9% | $2,671+11.9% |
| Participant deferral / active EE | $5,652 | $3,108+81.9% | $4,800+17.8% | $4,126+37.0% |
| Admin fee / account holder | $14,876 | $4,862+205.9% | $7,752+91.9% | $5,650+163.3% |