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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 | $16,243 | $55,446-70.7% | $155,574-89.6% | $74,429-78.2% |
| Participation rate | 47.5% | 61.9%-14.4pp | 78.2%-30.7pp | 67.2%-19.7pp |
| Annual return | 14.00% | 269.20%-255.2pp | 64.87%-50.9pp | 1368.38%-1354.4pp |
| Employer contribution / active EE | $659 | $2,266-70.9% | $4,676-85.9% | $2,625-74.9% |
| Participant deferral / active EE | $1,467 | $2,836-48.3% | $5,629-73.9% | $4,348-66.3% |
| Admin fee / account holder | $1,633 | $1,743-6.3% | $15,914-89.7% | $1,944-16.0% |