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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 | $9,751 | $48,267-79.8% | $68,808-85.8% | $68,486-85.8% |
| Participation rate | 55.3% | 60.7%-5.4pp | 69.0%-13.7pp | 67.9%-12.6pp |
| Annual return | -13.75% | -12.70%-1.0pp | -6.37%-7.4pp | -7.85%-5.9pp |
| Employer contribution / active EE | $912 | $1,829-50.1% | $2,656-65.6% | $2,597-64.9% |
| Participant deferral / active EE | $1,751 | $2,867-38.9% | $3,942-55.6% | $4,028-56.5% |
| Admin fee / account holder | $2,720 | $4,362-37.7% | $4,936-44.9% | $5,404-49.7% |