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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 | $26,449 | $41,150-35.7% | $80,607-67.2% | $71,495-63.0% |
| Participation rate | 51.7% | 50.3%+1.5pp | 67.0%-15.3pp | 67.9%-16.2pp |
| Annual return | 17.11% | 38.48%-21.4pp | 936.11%-919.0pp | 28.85%-11.7pp |
| Employer contribution / active EE | $1,446 | $1,515-4.5% | $2,724-46.9% | $2,589-44.1% |
| Participant deferral / active EE | $2,256 | $2,701-16.5% | $4,448-49.3% | $4,291-47.4% |
| Admin fee / account holder | $3,561 | $1,841+93.4% | $5,379-33.8% | $1,588+124.3% |