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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 | $15,491 | $41,113-62.3% | $80,589-80.8% | $71,476-78.3% |
| Participation rate | 59.7% | 50.2%+9.5pp | 67.0%-7.3pp | 67.9%-8.2pp |
| Annual return | 27.01% | 38.48%-11.5pp | 935.83%-908.8pp | 28.85%-1.8pp |
| Employer contribution / active EE | $1,460 | $1,508-3.2% | $2,724-46.4% | $2,589-43.6% |
| Participant deferral / active EE | $1,179 | $2,701-56.3% | $4,449-73.5% | $4,290-72.5% |
| Admin fee / account holder | $1,368 | $1,843-25.8% | $5,379-74.6% | $1,587-13.8% |