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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 | $24,434 | $55,446-55.9% | $155,574-84.3% | $74,429-67.2% |
| Participation rate | 54.1% | 61.9%-7.9pp | 78.2%-24.2pp | 67.2%-13.2pp |
| Annual return | 12.62% | 269.20%-256.6pp | 64.87%-52.2pp | 1368.38%-1355.8pp |
| Employer contribution / active EE | $847 | $2,266-62.6% | $4,676-81.9% | $2,625-67.7% |
| Participant deferral / active EE | $2,030 | $2,836-28.4% | $5,629-63.9% | $4,348-53.3% |
| Admin fee / account holder | $1,409 | $1,743-19.2% | $15,914-91.1% | $1,944-27.5% |