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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 | $8,965 | $38,967-77.0% | $86,233-89.6% | $79,634-88.7% |
| Participation rate | 26.7% | 34.1%-7.3pp | 69.0%-42.3pp | 62.5%-35.8pp |
| Annual return | 17.46% | 49.90%-32.4pp | 61.39%-43.9pp | 36.46%-19.0pp |
| Employer contribution / active EE | $164 | $868-81.1% | $2,504-93.5% | $2,529-93.5% |
| Participant deferral / active EE | $972 | $1,663-41.5% | $4,559-78.7% | $3,835-74.7% |
| Admin fee / account holder | $1,096 | $2,660-58.8% | $8,342-86.9% | $1,002+9.4% |