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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 | $29,745 | $80,763-63.2% | $102,412-71.0% | $74,459-60.1% |
| Participation rate | 33.7% | 65.7%-31.9pp | 74.5%-40.8pp | 67.2%-33.5pp |
| Annual return | 16.83% | 27.57%-10.7pp | 24.94%-8.1pp | 1369.70%-1352.9pp |
| Employer contribution / active EE | $0 | $3,160-100.0% | $3,870-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $2,818 | $3,862-27.0% | $5,060-44.3% | $4,350-35.2% |
| Admin fee / account holder | $3,922 | $2,371+65.4% | $8,388-53.2% | $1,945+101.7% |