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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 | $21,331 | $45,109-52.7% | $85,240-75.0% | $77,762-72.6% |
| Participation rate | 29.4% | 48.7%-19.2pp | 67.5%-38.1pp | 70.6%-41.2pp |
| Annual return | 45.15% | 79.55%-34.4pp | 66.75%-21.6pp | 31.27%+13.9pp |
| Employer contribution / active EE | $291 | $1,602-81.8% | $2,735-89.4% | $2,728-89.3% |
| Participant deferral / active EE | $1,534 | $2,814-45.5% | $4,527-66.1% | $4,651-67.0% |
| Admin fee / account holder | $2,618 | $915+186.2% | $6,165-57.5% | $433+504.8% |