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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 | $16,387 | $42,396-61.3% | $67,313-75.7% | $56,289-70.9% |
| Participation rate | 54.2% | 61.0%-6.7pp | 69.1%-14.8pp | 69.9%-15.6pp |
| Annual return | 53.22% | -36.63%+89.8pp | -4.08%+57.3pp | -9.96%+63.2pp |
| Employer contribution / active EE | $271 | $1,414-80.8% | $2,566-89.4% | $2,111-87.2% |
| Participant deferral / active EE | $925 | $2,360-60.8% | $3,568-74.1% | $3,350-72.4% |
| Admin fee / account holder | $377 | $510-26.0% | $4,507-91.6% | $521-27.6% |