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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 | $1,971 | $23,330-91.6% | $64,489-96.9% | $82,448-97.6% |
| Participation rate | 69.4% | 68.3%+1.2pp | 67.7%+1.8pp | 68.1%+1.4pp |
| Annual return | 20.25% | 83.66%-63.4pp | 55.03%-34.8pp | 41.64%-21.4pp |
| Employer contribution / active EE | $264 | $824-68.0% | $1,523-82.7% | $2,551-89.7% |
| Participant deferral / active EE | $1,595 | $1,707-6.6% | $2,778-42.6% | $4,139-61.5% |
| Admin fee / account holder | $558 | $2,946-81.0% | $4,260-86.9% | $7,234-92.3% |