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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 | $55,423-55.9% | $155,602-84.3% | $74,400-67.2% |
| Participation rate | 54.1% | 61.9%-7.8pp | 78.2%-24.2pp | 67.2%-13.2pp |
| Annual return | 12.62% | 269.07%-256.4pp | 64.81%-52.2pp | 1367.51%-1354.9pp |
| Employer contribution / active EE | $847 | $2,266-62.6% | $4,675-81.9% | $2,624-67.7% |
| Participant deferral / active EE | $2,030 | $2,835-28.4% | $5,629-63.9% | $4,348-53.3% |
| Admin fee / account holder | $1,409 | $1,744-19.2% | $15,923-91.2% | $1,944-27.5% |