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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 | $13,042 | $27,243-52.1% | $52,425-75.1% | $79,634-83.6% |
| Participation rate | 31.8% | 22.4%+9.4pp | 55.6%-23.8pp | 62.5%-30.7pp |
| Annual return | 36.98% | 63.36%-26.4pp | 302.12%-265.1pp | 36.46%+0.5pp |
| Employer contribution / active EE | $798 | $319+150.1% | $914-12.7% | $2,529-68.4% |
| Participant deferral / active EE | $1,507 | $636+137.2% | $1,790-15.8% | $3,835-60.7% |
| Admin fee / account holder | $1,343 | $2,105-36.2% | $2,495-46.2% | $1,002+34.1% |