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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 | $52,999 | $122,063-56.6% | $184,256-71.2% | $74,478-28.8% |
| Participation rate | 64.6% | 85.5%-20.8pp | 86.8%-22.2pp | 67.2%-2.6pp |
| Annual return | 16.81% | 19.92%-3.1pp | 28.85%-12.0pp | 1370.56%-1353.8pp |
| Employer contribution / active EE | $1,958 | $4,539-56.9% | $6,427-69.5% | $2,626-25.4% |
| Participant deferral / active EE | $5,560 | $7,144-22.2% | $9,133-39.1% | $4,350+27.8% |
| Admin fee / account holder | $1,882 | $1,253+50.2% | $13,899-86.5% | $1,946-3.3% |