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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 | $19,074 | $42,909-55.5% | $152,093-87.5% | $71,012-73.1% |
| Participation rate | 24.8% | 54.7%-29.9pp | 77.8%-53.0pp | 58.6%-33.8pp |
| Annual return | 11.68% | 30.57%-18.9pp | 66.36%-54.7pp | 37.67%-26.0pp |
| Employer contribution / active EE | $505 | $1,369-63.1% | $4,175-87.9% | $2,348-78.5% |
| Participant deferral / active EE | $912 | $1,904-52.1% | $5,451-83.3% | $3,246-71.9% |
| Admin fee / account holder | $4,290 | $1,014+323.0% | $14,497-70.4% | $1,167+267.5% |