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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 | $18,796 | $58,312-67.8% | $86,656-78.3% | $71,529-73.7% |
| Participation rate | 46.4% | 65.0%-18.7pp | 71.7%-25.3pp | 67.9%-21.6pp |
| Annual return | 27.83% | 24.08%+3.7pp | 593.09%-565.3pp | 28.97%-1.1pp |
| Employer contribution / active EE | $681 | $2,576-73.6% | $3,025-77.5% | $2,590-73.7% |
| Participant deferral / active EE | $2,600 | $3,439-24.4% | $4,439-41.4% | $4,291-39.4% |
| Admin fee / account holder | $1,260 | $1,057+19.2% | $5,619-77.6% | $1,588-20.7% |