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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 | $46,575 | $27,243+71.0% | $52,425-11.2% | $79,634-41.5% |
| Participation rate | 26.6% | 22.4%+4.2pp | 55.6%-29.0pp | 62.5%-35.9pp |
| Annual return | 24.42% | 63.36%-38.9pp | 302.12%-277.7pp | 36.46%-12.0pp |
| Employer contribution / active EE | $494 | $319+54.9% | $914-45.9% | $2,529-80.4% |
| Participant deferral / active EE | $1,171 | $636+84.2% | $1,790-34.6% | $3,835-69.5% |
| Admin fee / account holder | $10,338 | $2,105+391.1% | $2,495+314.4% | $1,002+931.8% |