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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 | $25,212 | $73,102-65.5% | $123,553-79.6% | $56,289-55.2% |
| Participation rate | 55.6% | 74.3%-18.7pp | 82.3%-26.7pp | 69.9%-14.2pp |
| Annual return | -2.36% | 3.01%-5.4pp | 119.21%-121.6pp | -9.96%+7.6pp |
| Employer contribution / active EE | $1,577 | $2,977-47.0% | $4,628-65.9% | $2,111-25.3% |
| Participant deferral / active EE | $3,435 | $5,423-36.7% | $6,426-46.5% | $3,350+2.5% |
| Admin fee / account holder | $1,542 | $554+178.5% | $9,284-83.4% | $521+196.1% |