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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 | $16,823 | $58,312-71.2% | $86,656-80.6% | $71,529-76.5% |
| Participation rate | 48.1% | 65.0%-17.0pp | 71.7%-23.6pp | 67.9%-19.9pp |
| Annual return | 14.96% | 24.08%-9.1pp | 593.09%-578.1pp | 28.97%-14.0pp |
| Employer contribution / active EE | $0 | $2,576-100.0% | $3,025-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $2,604 | $3,439-24.3% | $4,439-41.3% | $4,291-39.3% |
| Admin fee / account holder | $2,168 | $1,057+105.1% | $5,619-61.4% | $1,588+36.5% |