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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 | $32,995 | $64,705-49.0% | $62,929-47.6% | $67,986-51.5% |
| Participation rate | 39.9% | 65.6%-25.7pp | 73.1%-33.2pp | 57.2%-17.3pp |
| Annual return | 18.97% | 20.31%-1.3pp | 1063.93%-1045.0pp | 31.67%-12.7pp |
| Employer contribution / active EE | $796 | $2,376-66.5% | $2,505-68.2% | $2,019-60.6% |
| Participant deferral / active EE | $1,551 | $3,198-51.5% | $3,888-60.1% | $3,358-53.8% |
| Admin fee / account holder | $1,511 | $1,428+5.8% | $5,065-70.2% | $3,203-52.8% |