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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 | $63,433-48.0% | $63,803-48.3% | $64,097-48.5% |
| Participation rate | 39.9% | 65.0%-25.1pp | 72.7%-32.8pp | 55.2%-15.3pp |
| Annual return | 18.97% | 20.74%-1.8pp | 543.72%-524.8pp | 34.64%-15.7pp |
| Employer contribution / active EE | $796 | $2,332-65.8% | $2,532-68.6% | $1,891-57.9% |
| Participant deferral / active EE | $1,551 | $3,119-50.3% | $3,843-59.6% | $3,080-49.6% |
| Admin fee / account holder | $1,511 | $1,489+1.4% | $5,196-70.9% | $3,454-56.3% |