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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 | $46,220 | $55,002-16.0% | $59,899-22.8% | $56,289-17.9% |
| Participation rate | 69.3% | 75.9%-6.6pp | 74.7%-5.4pp | 69.9%-0.6pp |
| Annual return | 9.39% | 1.13%+8.3pp | 3.46%+5.9pp | -9.96%+19.3pp |
| Employer contribution / active EE | $1,308 | $2,448-46.6% | $2,723-52.0% | $2,111-38.1% |
| Participant deferral / active EE | $2,604 | $3,121-16.6% | $3,402-23.5% | $3,350-22.3% |
| Admin fee / account holder | $2,146 | $236+810.1% | $3,592-40.3% | $521+311.9% |