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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 | $19,977 | $55,423-64.0% | $155,602-87.2% | $74,400-73.1% |
| Participation rate | 36.4% | 61.9%-25.5pp | 78.2%-41.8pp | 67.2%-30.8pp |
| Annual return | 15.67% | 269.07%-253.4pp | 64.81%-49.1pp | 1367.51%-1351.8pp |
| Employer contribution / active EE | $965 | $2,266-57.4% | $4,675-79.4% | $2,624-63.2% |
| Participant deferral / active EE | $1,853 | $2,835-34.6% | $5,629-67.1% | $4,348-57.4% |
| Admin fee / account holder | $1,691 | $1,744-3.1% | $15,923-89.4% | $1,944-13.0% |