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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 | $122,042-56.6% | $184,243-71.2% | $74,429-28.8% |
| Participation rate | 64.6% | 85.5%-20.9pp | 86.8%-22.2pp | 67.2%-2.6pp |
| Annual return | 16.81% | 19.91%-3.1pp | 28.82%-12.0pp | 1368.38%-1351.6pp |
| Employer contribution / active EE | $1,958 | $4,538-56.9% | $6,427-69.5% | $2,625-25.4% |
| Participant deferral / active EE | $5,560 | $7,143-22.2% | $9,132-39.1% | $4,348+27.9% |
| Admin fee / account holder | $1,882 | $1,252+50.3% | $13,914-86.5% | $1,944-3.2% |