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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 | $15,878 | $30,421-47.8% | $56,077-71.7% | $74,429-78.7% |
| Participation rate | 51.3% | 32.9%+18.4pp | 52.5%-1.2pp | 67.2%-16.0pp |
| Annual return | 18.99% | 24.94%-6.0pp | 1709.28%-1690.3pp | 1368.38%-1349.4pp |
| Employer contribution / active EE | $675 | $610+10.6% | $1,040-35.2% | $2,625-74.3% |
| Participant deferral / active EE | $1,217 | $1,175+3.5% | $1,954-37.7% | $4,348-72.0% |
| Admin fee / account holder | $1,691 | $2,363-28.5% | $2,825-40.2% | $1,944-13.1% |