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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 | $45,123+17.9% | $85,240-37.6% | $74,478-28.6% |
| Participation rate | 60.5% | 49.4%+11.2pp | 67.5%-7.0pp | 67.2%-6.7pp |
| Annual return | 16.15% | 26.32%-10.2pp | 66.75%-50.6pp | 1370.56%-1354.4pp |
| Employer contribution / active EE | $4,246 | $1,459+191.1% | $2,735+55.2% | $2,626+61.7% |
| Participant deferral / active EE | $4,650 | $2,736+69.9% | $4,527+2.7% | $4,350+6.9% |
| Admin fee / account holder | $2,594 | $2,215+17.1% | $6,165-57.9% | $1,946+33.3% |