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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 | $4,653 | $24,891-81.3% | $69,632-93.3% | $74,478-93.8% |
| Participation rate | 55.6% | 63.4%-7.8pp | 66.4%-10.8pp | 67.2%-11.6pp |
| Annual return | 14.46% | 18.53%-4.1pp | 101.32%-86.9pp | 1370.56%-1356.1pp |
| Employer contribution / active EE | $604 | $1,005-39.9% | $1,708-64.7% | $2,626-77.0% |
| Participant deferral / active EE | $971 | $1,908-49.1% | $2,889-66.4% | $4,350-77.7% |
| Admin fee / account holder | $357 | $1,904-81.2% | $4,695-92.4% | $1,946-81.6% |