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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 | $29,999 | $27,800+7.9% | $58,507-48.7% | $71,529-58.1% |
| Participation rate | 43.2% | 34.6%+8.6pp | 50.9%-7.7pp | 67.9%-24.8pp |
| Annual return | 15.25% | 26.80%-11.5pp | 4252.32%-4237.1pp | 28.97%-13.7pp |
| Employer contribution / active EE | $635 | $632+0.5% | $1,053-39.7% | $2,590-75.5% |
| Participant deferral / active EE | $2,322 | $1,208+92.2% | $1,922+20.8% | $4,291-45.9% |
| Admin fee / account holder | $7,470 | $1,637+356.3% | $2,486+200.5% | $1,588+370.3% |