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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 | $1,984 | $25,014-92.1% | $69,623-97.2% | $80,935-97.5% |
| Participation rate | 67.0% | 64.2%+2.8pp | 66.4%+0.6pp | 67.7%-0.6pp |
| Annual return | 17.69% | 19.08%-1.4pp | 101.23%-83.5pp | 35.66%-18.0pp |
| Employer contribution / active EE | $838 | $991-15.5% | $1,709-51.0% | $2,757-69.6% |
| Participant deferral / active EE | $1,071 | $1,840-41.8% | $2,890-62.9% | $4,299-75.1% |
| Admin fee / account holder | $434 | $2,491-82.6% | $4,696-90.8% | $6,924-93.7% |