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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 | $10,985 | $52,682-79.1% | $78,004-85.9% | $64,097-82.9% |
| Participation rate | 46.6% | 47.7%-1.1pp | 69.4%-22.9pp | 55.2%-8.6pp |
| Annual return | 59.54% | 22.45%+37.1pp | 31.07%+28.5pp | 34.64%+24.9pp |
| Employer contribution / active EE | $554 | $1,323-58.1% | $2,469-77.6% | $1,891-70.7% |
| Participant deferral / active EE | $2,193 | $2,346-6.5% | $4,092-46.4% | $3,080-28.8% |
| Admin fee / account holder | $670 | $5,420-87.6% | $7,578-91.2% | $3,454-80.6% |