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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 | $29,827 | $73,459-59.4% | $178,528-83.3% | $74,429-59.9% |
| Participation rate | 41.1% | 66.5%-25.4pp | 77.1%-36.0pp | 67.2%-26.1pp |
| Annual return | 26.98% | 17.50%+9.5pp | 27.11%-0.1pp | 1368.38%-1341.4pp |
| Employer contribution / active EE | $1,194 | $2,219-46.2% | $3,950-69.8% | $2,625-54.5% |
| Participant deferral / active EE | $1,804 | $4,515-60.0% | $6,278-71.3% | $4,348-58.5% |
| Admin fee / account holder | $4,300 | $1,812+137.3% | $10,419-58.7% | $1,944+121.1% |