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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 | $15,171 | $46,464-67.3% | $150,298-89.9% | $79,634-80.9% |
| Participation rate | 17.4% | 57.0%-39.6pp | 77.8%-60.4pp | 62.5%-45.1pp |
| Annual return | 42.91% | 27.89%+15.0pp | 62.79%-19.9pp | 36.46%+6.5pp |
| Employer contribution / active EE | $281 | $1,512-81.4% | $4,154-93.2% | $2,529-88.9% |
| Participant deferral / active EE | $631 | $2,157-70.8% | $5,453-88.4% | $3,835-83.6% |
| Admin fee / account holder | $785 | $891-11.8% | $14,116-94.4% | $1,002-21.6% |