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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 | $53,708 | $63,433-15.3% | $63,803-15.8% | $64,097-16.2% |
| Participation rate | 53.7% | 65.0%-11.3pp | 72.7%-19.0pp | 55.2%-1.5pp |
| Annual return | 15.53% | 20.74%-5.2pp | 543.72%-528.2pp | 34.64%-19.1pp |
| Employer contribution / active EE | $851 | $2,332-63.5% | $2,532-66.4% | $1,891-55.0% |
| Participant deferral / active EE | $2,695 | $3,119-13.6% | $3,843-29.9% | $3,080-12.5% |
| Admin fee / account holder | $2,561 | $1,489+72.0% | $5,196-50.7% | $3,454-25.9% |