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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 | $27,243-25.2% | $52,425-61.1% | $79,634-74.4% |
| Participation rate | 17.9% | 22.4%-4.6pp | 55.6%-37.8pp | 62.5%-44.6pp |
| Annual return | 36.99% | 63.36%-26.4pp | 302.12%-265.1pp | 36.46%+0.5pp |
| Employer contribution / active EE | $570 | $319+78.5% | $914-37.7% | $2,529-77.5% |
| Participant deferral / active EE | $922 | $636+45.1% | $1,790-48.5% | $3,835-75.9% |
| Admin fee / account holder | $1,485 | $2,105-29.4% | $2,495-40.5% | $1,002+48.2% |