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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 | $16,003 | $55,446-71.1% | $155,574-89.7% | $74,429-78.5% |
| Participation rate | 41.9% | 61.9%-20.0pp | 78.2%-36.3pp | 67.2%-25.3pp |
| Annual return | 23.00% | 269.20%-246.2pp | 64.87%-41.9pp | 1368.38%-1345.4pp |
| Employer contribution / active EE | $1,428 | $2,266-37.0% | $4,676-69.5% | $2,625-45.6% |
| Participant deferral / active EE | $3,240 | $2,836+14.2% | $5,629-42.5% | $4,348-25.5% |
| Admin fee / account holder | $1,851 | $1,743+6.2% | $15,914-88.4% | $1,944-4.8% |