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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 | $15,758 | $51,878-69.6% | $68,368-77.0% | $79,634-80.2% |
| Participation rate | 28.6% | 53.7%-25.1pp | 73.8%-45.1pp | 62.5%-33.9pp |
| Annual return | 30.02% | 137.43%-107.4pp | 292.57%-262.6pp | 36.46%-6.4pp |
| Employer contribution / active EE | $878 | $1,931-54.5% | $2,649-66.9% | $2,529-65.3% |
| Participant deferral / active EE | $1,774 | $2,577-31.2% | $4,123-57.0% | $3,835-53.7% |
| Admin fee / account holder | $2,335 | $942+147.8% | $5,150-54.7% | $1,002+133.0% |