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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 | $36,600 | $45,109-18.9% | $85,240-57.1% | $77,762-52.9% |
| Participation rate | 20.3% | 48.7%-28.3pp | 67.5%-47.2pp | 70.6%-50.3pp |
| Annual return | 14.02% | 79.55%-65.5pp | 66.75%-52.7pp | 31.27%-17.3pp |
| Employer contribution / active EE | $644 | $1,602-59.8% | $2,735-76.5% | $2,728-76.4% |
| Participant deferral / active EE | $1,470 | $2,814-47.8% | $4,527-67.5% | $4,651-68.4% |
| Admin fee / account holder | $1,222 | $915+33.6% | $6,165-80.2% | $433+182.3% |