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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 | $8,519 | $34,932-75.6% | $56,441-84.9% | $74,546-88.6% |
| Participation rate | 57.9% | 32.9%+25.0pp | 52.5%+5.4pp | 67.2%-9.3pp |
| Annual return | 15.63% | 24.90%-9.3pp | 1704.21%-1688.6pp | 1366.03%-1350.4pp |
| Employer contribution / active EE | $616 | $608+1.2% | $1,039-40.7% | $2,624-76.5% |
| Participant deferral / active EE | $1,404 | $1,173+19.7% | $1,953-28.1% | $4,347-67.7% |
| Admin fee / account holder | $1,299 | $2,359-44.9% | $2,829-54.1% | $1,944-33.2% |