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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 | $48,117 | $64,010-24.8% | $108,359-55.6% | $64,340-25.2% |
| Participation rate | 43.9% | 49.4%-5.5pp | 70.1%-26.2pp | 55.2%-11.3pp |
| Annual return | 19.31% | 19.74%-0.4pp | 36.89%-17.6pp | 24.14%-4.8pp |
| Employer contribution / active EE | $1,471 | $1,029+43.0% | $2,399-38.7% | $1,862-21.0% |
| Participant deferral / active EE | $2,861 | $2,395+19.5% | $4,137-30.8% | $2,980-4.0% |
| Admin fee / account holder | $1,343 | $4,885-72.5% | $9,741-86.2% | $3,703-63.7% |