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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 | $66,294 | $80,753-17.9% | $136,298-51.4% | $62,293+6.4% |
| Participation rate | 68.4% | 73.5%-5.1pp | 81.9%-13.5pp | 69.5%-1.1pp |
| Annual return | 21.53% | 35.83%-14.3pp | 5156.27%-5134.7pp | 28.90%-7.4pp |
| Employer contribution / active EE | $970 | $2,884-66.4% | $4,696-79.3% | $2,042-52.5% |
| Participant deferral / active EE | $3,156 | $5,164-38.9% | $6,247-49.5% | $3,169-0.4% |
| Admin fee / account holder | $1,474 | $525+180.5% | $9,244-84.1% | $479+207.4% |