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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 | $40,566-77.9% | $96,754-90.7% | $64,728-86.1% |
| Participation rate | 26.7% | 24.8%+1.9pp | 70.3%-43.6pp | 57.9%-31.2pp |
| Annual return | 17.46% | 93.20%-75.7pp | 82.04%-64.6pp | 49.38%-31.9pp |
| Employer contribution / active EE | $164 | $808-79.7% | $2,679-93.9% | $2,243-92.7% |
| Participant deferral / active EE | $972 | $933+4.2% | $4,758-79.6% | $2,729-64.4% |
| Admin fee / account holder | $1,096 | $2,770-60.4% | $8,905-87.7% | $1,145-4.2% |