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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 | $29,700 | $56,047-47.0% | $98,716-69.9% | $79,634-62.7% |
| Participation rate | 56.5% | 54.6%+1.9pp | 69.3%-12.8pp | 62.5%-6.0pp |
| Annual return | 308.16% | 17.58%+290.6pp | 31.81%+276.4pp | 36.46%+271.7pp |
| Employer contribution / active EE | $762 | $1,237-38.4% | $2,279-66.5% | $2,529-69.9% |
| Participant deferral / active EE | $2,392 | $2,469-3.1% | $4,048-40.9% | $3,835-37.6% |
| Admin fee / account holder | $3,710 | $1,512+145.4% | $8,703-57.4% | $1,002+270.3% |