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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 | $42,934 | $88,360-51.4% | $145,433-70.5% | $67,986-36.8% |
| Participation rate | 38.7% | 65.5%-26.8pp | 82.1%-43.4pp | 57.2%-18.5pp |
| Annual return | 15.95% | 63.15%-47.2pp | 66.58%-50.6pp | 31.67%-15.7pp |
| Employer contribution / active EE | $590 | $3,054-80.7% | $4,554-87.0% | $2,019-70.8% |
| Participant deferral / active EE | $2,717 | $5,932-54.2% | $7,897-65.6% | $3,358-19.1% |
| Admin fee / account holder | $1,025 | $3,313-69.1% | $13,129-92.2% | $3,203-68.0% |