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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 | $50,416 | $50,554-0.3% | $67,681-25.5% | $87,485-42.4% |
| Participation rate | 65.3% | 67.7%-2.5pp | 73.7%-8.5pp | 68.9%-3.7pp |
| Annual return | 20.26% | 17.81%+2.4pp | 590.58%-570.3pp | 26.06%-5.8pp |
| Employer contribution / active EE | $3,628 | $1,988+82.5% | $2,678+35.5% | $2,596+39.7% |
| Participant deferral / active EE | $6,961 | $2,961+135.1% | $3,976+75.1% | $4,274+62.9% |
| Admin fee / account holder | $3,173 | $4,132-23.2% | $6,100-48.0% | $7,775-59.2% |