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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 | $27,096 | $27,876-2.8% | $83,854-67.7% | $65,191-58.4% |
| Participation rate | 9.7% | 23.2%-13.6pp | 59.1%-49.4pp | 63.0%-53.3pp |
| Annual return | 15.13% | 305.90%-290.8pp | 31.39%-16.3pp | 51.24%-36.1pp |
| Employer contribution / active EE | $208 | $472-56.0% | $1,017-79.6% | $2,400-91.3% |
| Participant deferral / active EE | $338 | $580-41.8% | $2,035-83.4% | $2,671-87.4% |
| Admin fee / account holder | $2,786 | $1,497+86.1% | $3,197-12.9% | $907+207.2% |