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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 | $25,024 | $65,904-62.0% | $160,784-84.4% | $79,634-68.6% |
| Participation rate | 32.0% | 56.2%-24.3pp | 77.0%-45.0pp | 62.5%-30.5pp |
| Annual return | 20.35% | 20.16%+0.2pp | 1803.92%-1783.6pp | 36.46%-16.1pp |
| Employer contribution / active EE | $255 | $1,805-85.8% | $3,733-93.2% | $2,529-89.9% |
| Participant deferral / active EE | $1,840 | $3,692-50.2% | $6,293-70.8% | $3,835-52.0% |
| Admin fee / account holder | $2,437 | $965+152.5% | $9,717-74.9% | $1,002+143.2% |