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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 | $43,730-63.3% | $66,674-75.9% | $64,097-74.9% |
| Participation rate | 50.7% | 50.7%-0.1pp | 73.7%-23.0pp | 55.2%-4.5pp |
| Annual return | 16.53% | 53.62%-37.1pp | 321.24%-304.7pp | 34.64%-18.1pp |
| Employer contribution / active EE | $583 | $1,673-65.2% | $2,620-77.8% | $1,891-69.2% |
| Participant deferral / active EE | $1,182 | $2,122-44.3% | $4,084-71.1% | $3,080-61.6% |
| Admin fee / account holder | $3,199 | $2,708+18.2% | $5,098-37.2% | $3,454-7.4% |