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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 | $44,984-64.0% | $85,009-81.0% | $74,546-78.3% |
| Participation rate | 62.8% | 49.4%+13.4pp | 67.5%-4.7pp | 67.2%-4.4pp |
| Annual return | 12.59% | 26.25%-13.7pp | 66.47%-53.9pp | 1366.03%-1353.4pp |
| Employer contribution / active EE | $750 | $1,458-48.6% | $2,728-72.5% | $2,624-71.4% |
| Participant deferral / active EE | $1,514 | $2,733-44.6% | $4,522-66.5% | $4,347-65.2% |
| Admin fee / account holder | $1,203 | $2,208-45.5% | $6,153-80.5% | $1,944-38.1% |