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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 | $3,629 | $24,891-85.4% | $69,632-94.8% | $74,478-95.1% |
| Participation rate | 67.8% | 63.4%+4.3pp | 66.4%+1.3pp | 67.2%+0.5pp |
| Annual return | 21.14% | 18.53%+2.6pp | 101.32%-80.2pp | 1370.56%-1349.4pp |
| Employer contribution / active EE | $539 | $1,005-46.4% | $1,708-68.4% | $2,626-79.5% |
| Participant deferral / active EE | $1,463 | $1,908-23.3% | $2,889-49.4% | $4,350-66.4% |
| Admin fee / account holder | $566 | $1,904-70.3% | $4,695-87.9% | $1,946-70.9% |