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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 | $16,058 | $45,900-65.0% | $94,057-82.9% | $64,340-75.0% |
| Participation rate | 50.7% | 50.6%+0.1pp | 73.3%-22.7pp | 55.2%-4.6pp |
| Annual return | 16.53% | 50.47%-33.9pp | 480.62%-464.1pp | 24.14%-7.6pp |
| Employer contribution / active EE | $583 | $1,612-63.8% | $2,933-80.1% | $1,862-68.7% |
| Participant deferral / active EE | $1,182 | $2,102-43.8% | $4,709-74.9% | $2,980-60.3% |
| Admin fee / account holder | $3,199 | $3,143+1.8% | $7,244-55.8% | $3,703-13.6% |