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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 | $5,923 | $24,891-76.2% | $69,632-91.5% | $74,478-92.0% |
| Participation rate | 67.5% | 63.4%+4.0pp | 66.4%+1.0pp | 67.2%+0.2pp |
| Annual return | 19.01% | 18.53%+0.5pp | 101.32%-82.3pp | 1370.56%-1351.6pp |
| Employer contribution / active EE | $615 | $1,005-38.8% | $1,708-64.0% | $2,626-76.6% |
| Participant deferral / active EE | $1,784 | $1,908-6.5% | $2,889-38.2% | $4,350-59.0% |
| Admin fee / account holder | $546 | $1,904-71.3% | $4,695-88.4% | $1,946-71.9% |