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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 | $5,088 | $36,595-86.1% | $88,179-94.2% | $71,012-92.8% |
| Participation rate | 39.7% | 29.2%+10.5pp | 69.1%-29.5pp | 58.6%-18.9pp |
| Annual return | 25.85% | 61.46%-35.6pp | 64.97%-39.1pp | 37.67%-11.8pp |
| Employer contribution / active EE | $658 | $787-16.4% | $2,549-74.2% | $2,348-72.0% |
| Participant deferral / active EE | $1,042 | $1,195-12.8% | $4,614-77.4% | $3,246-67.9% |
| Admin fee / account holder | $327 | $2,755-88.1% | $7,673-95.7% | $1,167-72.0% |