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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 | $15,516 | $44,206-64.9% | $94,057-83.5% | $64,728-76.0% |
| Participation rate | 31.7% | 51.0%-19.3pp | 73.3%-41.6pp | 57.9%-26.2pp |
| Annual return | 18.14% | 259.42%-241.3pp | 480.62%-462.5pp | 49.38%-31.2pp |
| Employer contribution / active EE | $231 | $1,635-85.9% | $2,933-92.1% | $2,243-89.7% |
| Participant deferral / active EE | $1,079 | $1,902-43.3% | $4,709-77.1% | $2,729-60.5% |
| Admin fee / account holder | $646 | $1,230-47.4% | $7,244-91.1% | $1,145-43.5% |