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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 | $45,109-59.8% | $85,240-78.7% | $77,762-76.7% |
| Participation rate | 38.2% | 48.7%-10.4pp | 67.5%-29.3pp | 70.6%-32.4pp |
| Annual return | 14.78% | 79.55%-64.8pp | 66.75%-52.0pp | 31.27%-16.5pp |
| Employer contribution / active EE | $360 | $1,602-77.5% | $2,735-86.8% | $2,728-86.8% |
| Participant deferral / active EE | $1,366 | $2,814-51.5% | $4,527-69.8% | $4,651-70.6% |
| Admin fee / account holder | $3,716 | $915+306.2% | $6,165-39.7% | $433+758.4% |