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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 | $21,652 | $60,504-64.2% | $81,882-73.6% | $74,478-70.9% |
| Participation rate | 47.9% | 62.9%-15.1pp | 72.4%-24.5pp | 67.2%-19.4pp |
| Annual return | 14.12% | 16.91%-2.8pp | 779.47%-765.4pp | 1370.56%-1356.4pp |
| Employer contribution / active EE | $894 | $2,627-65.9% | $2,916-69.3% | $2,626-65.9% |
| Participant deferral / active EE | $1,406 | $3,400-58.6% | $4,323-67.5% | $4,350-67.7% |
| Admin fee / account holder | $746 | $1,492-50.0% | $7,360-89.9% | $1,946-61.7% |