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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 | $10,876 | $29,554-63.2% | $56,054-80.6% | $77,692-86.0% |
| Participation rate | 25.7% | 32.6%-6.9pp | 52.5%-26.8pp | 70.6%-44.9pp |
| Annual return | 13.07% | 18.89%-5.8pp | 1705.95%-1692.9pp | 31.25%-18.2pp |
| Employer contribution / active EE | $330 | $568-41.9% | $1,039-68.2% | $2,726-87.9% |
| Participant deferral / active EE | $620 | $1,061-41.5% | $1,952-68.2% | $4,648-86.7% |
| Admin fee / account holder | $1,008 | $1,046-3.6% | $2,822-64.3% | $431+134.2% |