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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 | $34,257 | $26,140+31.1% | $58,507-41.4% | $74,473-54.0% |
| Participation rate | 19.4% | 32.1%-12.7pp | 50.9%-31.5pp | 70.7%-51.4pp |
| Annual return | 16.77% | 32.51%-15.7pp | 4252.32%-4235.5pp | 34.36%-17.6pp |
| Employer contribution / active EE | $86 | $537-84.0% | $1,053-91.8% | $2,638-96.7% |
| Participant deferral / active EE | $915 | $1,075-14.9% | $1,922-52.4% | $4,530-79.8% |
| Admin fee / account holder | $1,347 | $652+106.8% | $2,486-45.8% | $347+288.2% |