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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 | $42,934 | $82,133-47.7% | $147,318-70.9% | $64,097-33.0% |
| Participation rate | 38.7% | 62.3%-23.6pp | 82.1%-43.4pp | 55.2%-16.5pp |
| Annual return | 15.95% | 78.78%-62.8pp | 70.43%-54.5pp | 34.64%-18.7pp |
| Employer contribution / active EE | $590 | $2,872-79.5% | $4,593-87.2% | $1,891-68.8% |
| Participant deferral / active EE | $2,717 | $5,407-49.7% | $7,906-65.6% | $3,080-11.8% |
| Admin fee / account holder | $1,025 | $3,730-72.5% | $13,708-92.5% | $3,454-70.3% |