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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 | $18,405 | $30,423-39.5% | $56,025-67.1% | $74,478-75.3% |
| Participation rate | 25.1% | 32.9%-7.8pp | 52.5%-27.4pp | 67.2%-42.1pp |
| Annual return | 12.00% | 24.97%-13.0pp | 1712.69%-1700.7pp | 1370.56%-1358.6pp |
| Employer contribution / active EE | $667 | $610+9.2% | $1,042-36.0% | $2,626-74.6% |
| Participant deferral / active EE | $919 | $1,176-21.8% | $1,955-53.0% | $4,350-78.9% |
| Admin fee / account holder | $1,552 | $2,363-34.3% | $2,828-45.1% | $1,946-20.3% |