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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 | $43,378 | $41,150+5.4% | $80,607-46.2% | $71,495-39.3% |
| Participation rate | 47.2% | 50.3%-3.1pp | 67.0%-19.8pp | 67.9%-20.8pp |
| Annual return | 24.87% | 38.48%-13.6pp | 936.11%-911.2pp | 28.85%-4.0pp |
| Employer contribution / active EE | $1,327 | $1,515-12.4% | $2,724-51.3% | $2,589-48.8% |
| Participant deferral / active EE | $2,993 | $2,701+10.8% | $4,448-32.7% | $4,291-30.2% |
| Admin fee / account holder | $3,040 | $1,841+65.1% | $5,379-43.5% | $1,588+91.5% |