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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 | $63,041 | $91,424-31.0% | $135,942-53.6% | $71,495-11.8% |
| Participation rate | 56.3% | 75.7%-19.4pp | 81.9%-25.7pp | 67.9%-11.7pp |
| Annual return | 16.73% | 29.90%-13.2pp | 68.28%-51.6pp | 28.85%-12.1pp |
| Employer contribution / active EE | $2,742 | $3,704-26.0% | $4,858-43.6% | $2,589+5.9% |
| Participant deferral / active EE | $8,671 | $7,092+22.3% | $7,759+11.8% | $4,291+102.1% |
| Admin fee / account holder | $10,753 | $1,266+749.2% | $10,764-0.1% | $1,588+577.2% |