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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 | $21,146 | $47,977-55.9% | $154,108-86.3% | $56,289-62.4% |
| Participation rate | 69.0% | 66.2%+2.8pp | 83.0%-14.0pp | 69.9%-0.9pp |
| Annual return | 11.85% | 3.54%+8.3pp | 735.21%-723.4pp | -9.96%+21.8pp |
| Employer contribution / active EE | $766 | $2,169-64.7% | $5,298-85.5% | $2,111-63.7% |
| Participant deferral / active EE | $1,368 | $2,392-42.8% | $5,081-73.1% | $3,350-59.2% |
| Admin fee / account holder | $1,985 | $438+353.0% | $13,411-85.2% | $521+281.1% |