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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 | $47,479+6.2% | $62,929-19.9% | $82,448-38.9% |
| Participation rate | 65.3% | 66.9%-1.6pp | 73.1%-7.8pp | 68.1%-2.8pp |
| Annual return | 20.26% | 20.34%-0.1pp | 1063.93%-1043.7pp | 41.64%-21.4pp |
| Employer contribution / active EE | $3,628 | $1,885+92.4% | $2,505+44.9% | $2,551+42.2% |
| Participant deferral / active EE | $6,961 | $2,870+142.5% | $3,888+79.0% | $4,139+68.2% |
| Admin fee / account holder | $3,173 | $3,804-16.6% | $5,065-37.4% | $7,234-56.1% |