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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 | $20,373 | $26,936-24.4% | $53,647-62.0% | $71,012-71.3% |
| Participation rate | 17.9% | 21.9%-4.0pp | 56.3%-38.4pp | 58.6%-40.7pp |
| Annual return | 36.99% | 81.59%-44.6pp | 358.33%-321.3pp | 37.67%-0.7pp |
| Employer contribution / active EE | $570 | $335+70.0% | $962-40.8% | $2,348-75.7% |
| Participant deferral / active EE | $922 | $590+56.3% | $1,813-49.1% | $3,246-71.6% |
| Admin fee / account holder | $1,485 | $2,177-31.8% | $2,460-39.6% | $1,167+27.2% |