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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 | $2,290 | $24,891-90.8% | $69,632-96.7% | $74,478-96.9% |
| Participation rate | 66.4% | 63.4%+3.0pp | 66.4%0pp | 67.2%-0.8pp |
| Annual return | 19.03% | 18.53%+0.5pp | 101.32%-82.3pp | 1370.56%-1351.5pp |
| Employer contribution / active EE | $359 | $1,005-64.3% | $1,708-79.0% | $2,626-86.3% |
| Participant deferral / active EE | $1,102 | $1,908-42.2% | $2,889-61.8% | $4,350-74.7% |
| Admin fee / account holder | $632 | $1,904-66.8% | $4,695-86.5% | $1,946-67.5% |