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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 | $29,507-41.3% | $56,025-69.1% | $77,762-77.7% |
| Participation rate | 22.4% | 32.7%-10.4pp | 52.5%-30.1pp | 70.6%-48.2pp |
| Annual return | 12.08% | 18.90%-6.8pp | 1712.69%-1700.6pp | 31.27%-19.2pp |
| Employer contribution / active EE | $96 | $570-83.1% | $1,042-90.8% | $2,728-96.5% |
| Participant deferral / active EE | $915 | $1,062-13.8% | $1,955-53.2% | $4,651-80.3% |
| Admin fee / account holder | $1,263 | $1,041+21.3% | $2,828-55.3% | $433+191.7% |