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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 | $48,162 | $61,356-21.5% | $149,696-67.8% | $71,511-32.7% |
| Participation rate | 57.1% | 62.5%-5.4pp | 78.8%-21.6pp | 67.9%-10.8pp |
| Annual return | 17.55% | 35.86%-18.3pp | 134.46%-116.9pp | 28.86%-11.3pp |
| Employer contribution / active EE | $1,292 | $2,382-45.8% | $4,821-73.2% | $2,589-50.1% |
| Participant deferral / active EE | $2,757 | $2,920-5.6% | $5,682-51.5% | $4,291-35.7% |
| Admin fee / account holder | $1,172 | $1,263-7.2% | $13,212-91.1% | $1,588-26.2% |