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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 | $40,993 | $65,191-37.1% | $135,768-69.8% | $65,191-37.1% |
| Participation rate | 24.4% | 63.0%-38.6pp | 71.1%-46.7pp | 63.0%-38.6pp |
| Annual return | 12.21% | 51.24%-39.0pp | 526.10%-513.9pp | 51.24%-39.0pp |
| Employer contribution / active EE | $1,285 | $2,400-46.5% | $3,394-62.1% | $2,400-46.5% |
| Participant deferral / active EE | $1,256 | $2,671-53.0% | $3,977-68.4% | $2,671-53.0% |
| Admin fee / account holder | $2,071 | $907+128.4% | $7,048-70.6% | $907+128.4% |