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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 | $30,238 | $55,446-45.5% | $155,574-80.6% | $74,429-59.4% |
| Participation rate | 53.8% | 61.9%-8.1pp | 78.2%-24.4pp | 67.2%-13.4pp |
| Annual return | 13.72% | 269.20%-255.5pp | 64.87%-51.2pp | 1368.38%-1354.7pp |
| Employer contribution / active EE | $908 | $2,266-59.9% | $4,676-80.6% | $2,625-65.4% |
| Participant deferral / active EE | $1,687 | $2,836-40.5% | $5,629-70.0% | $4,348-61.2% |
| Admin fee / account holder | $813 | $1,743-53.3% | $15,914-94.9% | $1,944-58.2% |