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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 | $27,998 | $30,437-8.0% | $56,033-50.0% | $74,459-62.4% |
| Participation rate | 69.7% | 32.9%+36.8pp | 52.5%+17.2pp | 67.2%+2.5pp |
| Annual return | 12.68% | 24.96%-12.3pp | 1711.38%-1698.7pp | 1369.70%-1357.0pp |
| Employer contribution / active EE | $1,281 | $610+110.0% | $1,041+23.1% | $2,626-51.2% |
| Participant deferral / active EE | $1,780 | $1,176+51.4% | $1,954-8.9% | $4,350-59.1% |
| Admin fee / account holder | $2,693 | $2,363+13.9% | $2,827-4.8% | $1,945+38.5% |