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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 | $47,777 | $88,360-45.9% | $145,433-67.1% | $67,986-29.7% |
| Participation rate | 53.9% | 65.5%-11.5pp | 82.1%-28.2pp | 57.2%-3.3pp |
| Annual return | 20.92% | 63.15%-42.2pp | 66.58%-45.7pp | 31.67%-10.7pp |
| Employer contribution / active EE | $825 | $3,054-73.0% | $4,554-81.9% | $2,019-59.1% |
| Participant deferral / active EE | $3,406 | $5,932-42.6% | $7,897-56.9% | $3,358+1.4% |
| Admin fee / account holder | $1,817 | $3,313-45.2% | $13,129-86.2% | $3,203-43.3% |