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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 | $21,442 | $61,391-65.1% | $149,723-85.7% | $71,529-70.0% |
| Participation rate | 61.0% | 62.5%-1.5pp | 78.8%-17.8pp | 67.9%-7.0pp |
| Annual return | 27.49% | 35.88%-8.4pp | 134.50%-107.0pp | 28.97%-1.5pp |
| Employer contribution / active EE | $775 | $2,384-67.5% | $4,821-83.9% | $2,590-70.1% |
| Participant deferral / active EE | $1,369 | $2,921-53.1% | $5,682-75.9% | $4,291-68.1% |
| Admin fee / account holder | $724 | $1,264-42.8% | $13,215-94.5% | $1,588-54.4% |