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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 | $16,190 | $45,126-64.1% | $85,187-81.0% | $74,459-78.3% |
| Participation rate | 62.8% | 49.4%+13.4pp | 67.5%-4.7pp | 67.2%-4.4pp |
| Annual return | 12.59% | 26.30%-13.7pp | 66.67%-54.1pp | 1369.70%-1357.1pp |
| Employer contribution / active EE | $750 | $1,460-48.6% | $2,732-72.6% | $2,626-71.4% |
| Participant deferral / active EE | $1,514 | $2,738-44.7% | $4,525-66.5% | $4,350-65.2% |
| Admin fee / account holder | $1,203 | $2,212-45.6% | $6,162-80.5% | $1,945-38.2% |