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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 | $53,180 | $45,119+17.9% | $85,126-37.5% | $74,429-28.5% |
| Participation rate | 60.5% | 49.4%+11.2pp | 67.5%-7.0pp | 67.2%-6.7pp |
| Annual return | 16.15% | 26.28%-10.1pp | 66.63%-50.5pp | 1368.38%-1352.2pp |
| Employer contribution / active EE | $4,246 | $1,460+190.7% | $2,731+55.5% | $2,625+61.8% |
| Participant deferral / active EE | $4,650 | $2,738+69.8% | $4,523+2.8% | $4,348+6.9% |
| Admin fee / account holder | $2,594 | $2,214+17.1% | $6,160-57.9% | $1,944+33.4% |