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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 | $58,264-67.7% | $86,605-78.3% | $71,476-73.7% |
| Participation rate | 46.4% | 65.0%-18.6pp | 71.7%-25.3pp | 67.9%-21.6pp |
| Annual return | 27.83% | 21.63%+6.2pp | 591.39%-563.6pp | 28.85%-1.0pp |
| Employer contribution / active EE | $681 | $2,574-73.5% | $3,023-77.5% | $2,589-73.7% |
| Participant deferral / active EE | $2,600 | $3,436-24.3% | $4,438-41.4% | $4,290-39.4% |
| Admin fee / account holder | $1,260 | $1,057+19.2% | $5,611-77.5% | $1,587-20.6% |