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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 | $2,500 | $24,891-90.0% | $69,623-96.4% | $74,459-96.6% |
| Participation rate | 56.1% | 63.4%-7.4pp | 66.4%-10.4pp | 67.2%-11.1pp |
| Annual return | 24.00% | 18.53%+5.5pp | 101.23%-77.2pp | 1369.70%-1345.7pp |
| Employer contribution / active EE | $471 | $1,005-53.2% | $1,709-72.5% | $2,626-82.1% |
| Participant deferral / active EE | $844 | $1,908-55.7% | $2,890-70.8% | $4,350-80.6% |
| Admin fee / account holder | $707 | $1,904-62.9% | $4,696-84.9% | $1,945-63.6% |