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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 | $17,315 | $29,569-41.4% | $56,077-69.1% | $77,714-77.7% |
| Participation rate | 22.4% | 32.6%-10.3pp | 52.5%-30.1pp | 70.6%-48.2pp |
| Annual return | 12.08% | 18.90%-6.8pp | 1709.28%-1697.2pp | 31.26%-19.2pp |
| Employer contribution / active EE | $96 | $569-83.1% | $1,040-90.8% | $2,727-96.5% |
| Participant deferral / active EE | $915 | $1,061-13.8% | $1,954-53.2% | $4,649-80.3% |
| Admin fee / account holder | $1,263 | $1,042+21.2% | $2,825-55.3% | $433+191.5% |