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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 | $46,389 | $29,525+57.1% | $56,033-17.2% | $77,736-40.3% |
| Participation rate | 17.1% | 32.7%-15.5pp | 52.5%-35.4pp | 70.6%-53.5pp |
| Annual return | 14.99% | 18.90%-3.9pp | 1711.38%-1696.4pp | 31.26%-16.3pp |
| Employer contribution / active EE | $0 | $569-100.0% | $1,041-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $1,381 | $1,062+30.0% | $1,954-29.3% | $4,651-70.3% |
| Admin fee / account holder | $3,419 | $1,040+228.7% | $2,827+20.9% | $433+688.9% |