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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 | $5,544 | $19,646-71.8% | $71,585-92.3% | $64,097-91.4% |
| Participation rate | 63.9% | 64.7%-0.8pp | 68.2%-4.2pp | 55.2%+8.7pp |
| Annual return | 27.53% | 36.81%-9.3pp | 59.26%-31.7pp | 34.64%-7.1pp |
| Employer contribution / active EE | $256 | $713-64.1% | $1,669-84.7% | $1,891-86.5% |
| Participant deferral / active EE | $1,231 | $1,665-26.0% | $2,923-57.9% | $3,080-60.0% |
| Admin fee / account holder | $385 | $1,850-79.2% | $4,712-91.8% | $3,454-88.8% |