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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 | $2,439 | $24,811-90.2% | $69,701-96.5% | $74,546-96.7% |
| Participation rate | 52.7% | 63.5%-10.8pp | 66.4%-13.7pp | 67.2%-14.5pp |
| Annual return | 15.59% | 18.53%-2.9pp | 100.32%-84.7pp | 1366.03%-1350.4pp |
| Employer contribution / active EE | $403 | $1,003-59.8% | $1,713-76.5% | $2,624-84.6% |
| Participant deferral / active EE | $848 | $1,904-55.5% | $2,887-70.6% | $4,347-80.5% |
| Admin fee / account holder | $344 | $1,898-81.9% | $4,717-92.7% | $1,944-82.3% |