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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 | $39,133 | $39,766-1.6% | $66,674-41.3% | $71,012-44.9% |
| Participation rate | 26.0% | 47.7%-21.7pp | 73.7%-47.7pp | 58.6%-32.5pp |
| Annual return | 15.83% | 181.39%-165.6pp | 321.24%-305.4pp | 37.67%-21.8pp |
| Employer contribution / active EE | $602 | $1,503-60.0% | $2,620-77.0% | $2,348-74.4% |
| Participant deferral / active EE | $1,138 | $1,868-39.1% | $4,084-72.1% | $3,246-65.0% |
| Admin fee / account holder | $2,400 | $1,097+118.9% | $5,098-52.9% | $1,167+105.6% |