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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 | $45,031-52.6% | $85,009-74.9% | $77,671-72.5% |
| Participation rate | 29.4% | 48.7%-19.3pp | 67.5%-38.1pp | 70.6%-41.2pp |
| Annual return | 45.15% | 79.22%-34.1pp | 66.47%-21.3pp | 31.21%+13.9pp |
| Employer contribution / active EE | $291 | $1,609-81.9% | $2,728-89.3% | $2,726-89.3% |
| Participant deferral / active EE | $1,534 | $2,807-45.4% | $4,522-66.1% | $4,648-67.0% |
| Admin fee / account holder | $2,618 | $912+187.1% | $6,153-57.4% | $430+508.3% |