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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 | $34,319 | $82,133-58.2% | $147,318-76.7% | $64,097-46.5% |
| Participation rate | 49.0% | 62.3%-13.3pp | 82.1%-33.1pp | 55.2%-6.2pp |
| Annual return | 23.25% | 78.78%-55.5pp | 70.43%-47.2pp | 34.64%-11.4pp |
| Employer contribution / active EE | $0 | $2,872-100.0% | $4,593-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $2,635 | $5,407-51.3% | $7,906-66.7% | $3,080-14.5% |
| Admin fee / account holder | $1,879 | $3,730-49.6% | $13,708-86.3% | $3,454-45.6% |