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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 | $5,230 | $27,800-81.2% | $58,561-91.1% | $71,511-92.7% |
| Participation rate | 41.7% | 34.6%+7.1pp | 50.9%-9.2pp | 67.9%-26.2pp |
| Annual return | 17.09% | 26.80%-9.7pp | 4251.33%-4234.2pp | 28.86%-11.8pp |
| Employer contribution / active EE | $168 | $632-73.3% | $1,053-84.0% | $2,589-93.5% |
| Participant deferral / active EE | $811 | $1,208-32.9% | $1,923-57.8% | $4,291-81.1% |
| Admin fee / account holder | $1,067 | $1,637-34.8% | $2,520-57.7% | $1,588-32.8% |