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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 | $24,550 | $49,471-50.4% | $79,583-69.2% | $66,949-63.3% |
| Participation rate | 58.8% | 61.4%-2.5pp | 69.5%-10.7pp | 69.8%-11.0pp |
| Annual return | 35.71% | 84.30%-48.6pp | 0.16%+35.5pp | 1.57%+34.1pp |
| Employer contribution / active EE | $0 | $1,266-100.0% | $2,414-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $3,032 | $3,160-4.1% | $3,986-23.9% | $4,239-28.5% |
| Admin fee / account holder | $960 | $595+61.4% | $6,835-86.0% | $594+61.7% |