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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 | $11,528 | $27,243-57.7% | $52,425-78.0% | $79,634-85.5% |
| Participation rate | 13.6% | 22.4%-8.8pp | 55.6%-42.0pp | 62.5%-48.9pp |
| Annual return | 34.71% | 63.36%-28.6pp | 302.12%-267.4pp | 36.46%-1.8pp |
| Employer contribution / active EE | $106 | $319-66.9% | $914-88.4% | $2,529-95.8% |
| Participant deferral / active EE | $403 | $636-36.7% | $1,790-77.5% | $3,835-89.5% |
| Admin fee / account holder | $857 | $2,105-59.3% | $2,495-65.6% | $1,002-14.5% |