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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 | $7,185 | $38,967-81.6% | $86,233-91.7% | $79,634-91.0% |
| Participation rate | 32.6% | 34.1%-1.5pp | 69.0%-36.5pp | 62.5%-29.9pp |
| Annual return | 165.58% | 49.90%+115.7pp | 61.39%+104.2pp | 36.46%+129.1pp |
| Employer contribution / active EE | $763 | $868-12.1% | $2,504-69.5% | $2,529-69.8% |
| Participant deferral / active EE | $1,456 | $1,663-12.4% | $4,559-68.1% | $3,835-62.0% |
| Admin fee / account holder | $1,142 | $2,660-57.1% | $8,342-86.3% | $1,002+14.0% |