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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 | $29,317 | $66,302-55.8% | $110,243-73.4% | $56,287-47.9% |
| Participation rate | 61.2% | 74.9%-13.8pp | 79.8%-18.7pp | 69.9%-8.7pp |
| Annual return | 13.50% | -1.18%+14.7pp | 314.76%-301.3pp | -9.96%+23.5pp |
| Employer contribution / active EE | $1,149 | $2,047-43.9% | $3,827-70.0% | $2,111-45.6% |
| Participant deferral / active EE | $2,643 | $3,381-21.8% | $4,672-43.4% | $3,350-21.1% |
| Admin fee / account holder | $9,043 | $698+1194.7% | $8,548+5.8% | $521+1635.9% |