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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 | $18,147 | $45,031-59.7% | $85,009-78.7% | $77,671-76.6% |
| Participation rate | 38.2% | 48.7%-10.4pp | 67.5%-29.3pp | 70.6%-32.3pp |
| Annual return | 14.78% | 79.22%-64.4pp | 66.47%-51.7pp | 31.21%-16.4pp |
| Employer contribution / active EE | $360 | $1,609-77.6% | $2,728-86.8% | $2,726-86.8% |
| Participant deferral / active EE | $1,366 | $2,807-51.4% | $4,522-69.8% | $4,648-70.6% |
| Admin fee / account holder | $3,716 | $912+307.6% | $6,153-39.6% | $430+763.4% |