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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% | $69,701-97.2% | $80,874-97.5% |
| Participation rate | 67.0% | 64.2%+2.8pp | 66.4%+0.6pp | 67.6%-0.6pp |
| Annual return | 17.69% | 19.07%-1.4pp | 100.32%-82.6pp | 35.62%-17.9pp |
| Employer contribution / active EE | $838 | $993-15.6% | $1,713-51.1% | $2,756-69.6% |
| Participant deferral / active EE | $1,071 | $1,839-41.7% | $2,887-62.9% | $4,297-75.1% |
| Admin fee / account holder | $434 | $2,488-82.6% | $4,717-90.8% | $6,935-93.7% |