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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 | $11,521 | $27,243-57.7% | $52,425-78.0% | $79,634-85.5% |
| Participation rate | 27.2% | 22.4%+4.8pp | 55.6%-28.4pp | 62.5%-35.2pp |
| Annual return | 20.35% | 63.36%-43.0pp | 302.12%-281.8pp | 36.46%-16.1pp |
| Employer contribution / active EE | $635 | $319+98.8% | $914-30.6% | $2,529-74.9% |
| Participant deferral / active EE | $722 | $636+13.7% | $1,790-59.7% | $3,835-81.2% |
| Admin fee / account holder | $1,190 | $2,105-43.4% | $2,495-52.3% | $1,002+18.8% |