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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 | $38,357 | $80,763-52.5% | $102,412-62.5% | $74,459-48.5% |
| Participation rate | 51.5% | 65.7%-14.2pp | 74.5%-23.0pp | 67.2%-15.7pp |
| Annual return | 12.56% | 27.57%-15.0pp | 24.94%-12.4pp | 1369.70%-1357.1pp |
| Employer contribution / active EE | $918 | $3,160-71.0% | $3,870-76.3% | $2,626-65.1% |
| Participant deferral / active EE | $2,581 | $3,862-33.2% | $5,060-49.0% | $4,350-40.7% |
| Admin fee / account holder | $927 | $2,371-60.9% | $8,388-88.9% | $1,945-52.3% |