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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 | $32,774 | $80,332-59.2% | $107,187-69.4% | $64,097-48.9% |
| Participation rate | 65.0% | 54.4%+10.6pp | 75.0%-10.0pp | 55.2%+9.8pp |
| Annual return | 20.06% | 24.26%-4.2pp | 204.55%-184.5pp | 34.64%-14.6pp |
| Employer contribution / active EE | $1,881 | $2,501-24.8% | $3,782-50.3% | $1,891-0.5% |
| Participant deferral / active EE | $3,950 | $3,109+27.1% | $5,096-22.5% | $3,080+28.2% |
| Admin fee / account holder | $4,995 | $4,314+15.8% | $9,162-45.5% | $3,454+44.6% |