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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 | $11,996 | $29,525-59.4% | $56,033-78.6% | $77,736-84.6% |
| Participation rate | 18.9% | 32.7%-13.8pp | 52.5%-33.6pp | 70.6%-51.7pp |
| Annual return | 13.54% | 18.90%-5.4pp | 1711.38%-1697.8pp | 31.26%-17.7pp |
| Employer contribution / active EE | $493 | $569-13.3% | $1,041-52.6% | $2,728-81.9% |
| Participant deferral / active EE | $793 | $1,062-25.3% | $1,954-59.4% | $4,651-83.0% |
| Admin fee / account holder | $1,817 | $1,040+74.7% | $2,827-35.7% | $433+319.4% |