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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 | $25,794 | $55,437-53.5% | $155,534-83.4% | $74,459-65.4% |
| Participation rate | 44.9% | 61.9%-16.9pp | 78.2%-33.3pp | 67.2%-22.3pp |
| Annual return | 27.50% | 269.58%-242.1pp | 64.92%-37.4pp | 1369.70%-1342.2pp |
| Employer contribution / active EE | $563 | $2,266-75.1% | $4,675-87.9% | $2,626-78.5% |
| Participant deferral / active EE | $1,091 | $2,837-61.5% | $5,630-80.6% | $4,350-74.9% |
| Admin fee / account holder | $1,204 | $1,742-30.9% | $15,900-92.4% | $1,945-38.1% |