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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 | $14,423 | $76,407-81.1% | $150,298-90.4% | $82,448-82.5% |
| Participation rate | 63.1% | 66.4%-3.3pp | 77.8%-14.7pp | 68.1%-5.0pp |
| Annual return | 17.18% | 39.99%-22.8pp | 62.79%-45.6pp | 41.64%-24.5pp |
| Employer contribution / active EE | $822 | $2,614-68.5% | $4,154-80.2% | $2,551-67.8% |
| Participant deferral / active EE | $1,627 | $3,214-49.4% | $5,453-70.2% | $4,139-60.7% |
| Admin fee / account holder | $1,136 | $6,352-82.1% | $14,116-92.0% | $7,234-84.3% |