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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 | $3,579 | $29,051-87.7% | $52,425-93.2% | $67,986-94.7% |
| Participation rate | 66.1% | 30.4%+35.7pp | 55.6%+10.5pp | 57.2%+8.9pp |
| Annual return | 22.85% | 24.00%-1.1pp | 302.12%-279.3pp | 31.67%-8.8pp |
| Employer contribution / active EE | $511 | $412+24.2% | $914-44.1% | $2,019-74.7% |
| Participant deferral / active EE | $1,005 | $873+15.2% | $1,790-43.8% | $3,358-70.1% |
| Admin fee / account holder | $506 | $2,113-76.0% | $2,495-79.7% | $3,203-84.2% |