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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 | $15,295 | $65,125-76.5% | $143,797-89.4% | $66,949-77.2% |
| Participation rate | 50.6% | 65.2%-14.6pp | 80.3%-29.7pp | 69.8%-19.2pp |
| Annual return | -5.11% | -11.13%+6.0pp | -0.04%-5.1pp | 1.57%-6.7pp |
| Employer contribution / active EE | $0 | $2,362-100.0% | $4,952-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $2,028 | $2,920-30.5% | $5,638-64.0% | $4,239-52.2% |
| Admin fee / account holder | $1,651 | $503+228.4% | $14,679-88.8% | $594+178.1% |