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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 | $24,063 | $47,180-49.0% | $149,723-83.9% | $74,473-67.7% |
| Participation rate | 35.0% | 63.4%-28.4pp | 78.8%-43.8pp | 70.7%-35.8pp |
| Annual return | 17.12% | 22.75%-5.6pp | 134.50%-117.4pp | 34.36%-17.2pp |
| Employer contribution / active EE | $0 | $1,907-100.0% | $4,821-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $1,218 | $2,730-55.4% | $5,682-78.6% | $4,530-73.1% |
| Admin fee / account holder | $1,789 | $343+421.5% | $13,215-86.5% | $347+415.5% |