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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 | $28,555 | $50,860-43.9% | $155,574-81.6% | $77,714-63.3% |
| Participation rate | 39.7% | 63.1%-23.4pp | 78.2%-38.5pp | 70.6%-30.9pp |
| Annual return | 15.79% | 34.86%-19.1pp | 64.87%-49.1pp | 31.26%-15.5pp |
| Employer contribution / active EE | $1,494 | $1,991-25.0% | $4,676-68.1% | $2,727-45.2% |
| Participant deferral / active EE | $2,339 | $2,825-17.2% | $5,629-58.4% | $4,649-49.7% |
| Admin fee / account holder | $876 | $436+100.8% | $15,914-94.5% | $433+102.3% |