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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 | $36,373 | $58,320-37.6% | $86,438-57.9% | $66,938-45.7% |
| Participation rate | 62.7% | 78.6%-15.9pp | 80.3%-17.6pp | 69.8%-7.1pp |
| Annual return | -5.84% | -9.71%+3.9pp | 4397.19%-4403.0pp | 1.58%-7.4pp |
| Employer contribution / active EE | $3,221 | $2,615+23.2% | $3,769-14.5% | $2,545+26.6% |
| Participant deferral / active EE | $9,764 | $6,899+41.5% | $6,952+40.4% | $4,238+130.4% |
| Admin fee / account holder | $1,465 | $546+168.3% | $6,733-78.2% | $594+146.8% |